davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

I called credit management on XX/XX/XXXX almost XXXX XXXX and spoke to a lady. I did not get her name. This was in regards to XXXX ( formerly XXXX XXXX XXXX ) in the amount of {$120.00}. But I told her that I would be will to pay it if they be will to take off my credit and send me a letter about it. I repeat this a few time and she told me they could. She told me I could not get a letter right away that I have to get off the website a day later. I told ok. I paid the full amount with my credit card and asked about get the letter. She told me the website. Then next day XX/XX/19 about 10 I had to call them back because I was unable to get online with my name and last for. I need some number. I cant remember the gender of this one but told them I wish they would give to me the first time because I should have had to call back.. They name a comment that it was only 3 number different from my confirmation number when I paid. I ignored it and got what I need. After review the letter with a place that help me fix my credit it was noted that it said nothing about take off my credit so I had to call back. I called again later that same day XX/XX/19 about XXXX XXXX. I talk to two females. They both have very difficult name. The last one was a supervisor who told me that they did not agree and there nothing in the notes about it. I try to talk to her and she would not listen and kept say that not something that they would agree to.
Consumer complaint received 2022-07-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : XXXX XXXX # 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 a account without my written instructions
Consumer complaint received 2022-07-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX # 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 a account without my written instructions
Consumer complaint received 2022-07-26
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. (PA)

I WHEN TO THE CAR DEALERSHIP THE SAID THEY WAS GOING TO DO XXXX ONLY AND THEY ALOT OF DIFFERENT BANKS 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 2022-07-26
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. (PA)

I WHEN TO THE CAR DEALERSHIP THE SAID THEY WAS GOING TO DO XXXX ONLY AND THEY ALOT OF DIFFERENT BANKS XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information ; XXXX XXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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)

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX
Consumer complaint received 2023-07-27
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. (TX)

The reporting agencies known as XXXX, Equifax, and XXXX continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every thirty days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been discharged as agreed upon.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} Charge Off : XXXX XXXX XXXX Balance : {$5900.00}
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (UT)

I received a phone call from National Credit Adjusters stating that they are trying to collect a debt on a Credit Card that I opened in XXXX. The card was for XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. That account was paid in Full on XX/XX/XXXX for the amount of {$310.00} to XXXX XXXX XXXXXXXX. ( another collector ) When I sent the receipt of payment in full to NCA I was told that they do not have permission to open the email and they will have to look into this. They kept trying to tell me that it was still outstanding and I needed to make a payment
Consumer complaint received 2022-07-26
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. (DE)

Upon reviewing my credit report, I found out that there is erroneous account that is still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed account, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following item : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} :
Consumer complaint received 2018-11-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/2018, I transferred {$2000.00} into a Simple XXXX account. I then transferred the money into their " Protected Goal '' product which earns a higher interest rate. After leaving the money until XX/XX/2018 I transferred an additional {$6500.00} to Simple XXXX. This time I was unable to transfer the deposit to their " Protected Goals '' product and I realized I was also unable to withdraw money from " Protected Goals ''. I have contacted support around 5 times from XX/XX/2018 to XX/XX/2018. I was never given any information about when this might be fixed. I was never given a means to close my account and return the money. I was never contacted by a manager as I was told I would be. To this point, I have not been given any update on how this might be resolved nor any means to close the account.
Consumer complaint received 2022-07-26
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. (GA)

XXXX XXXX XXXX - Account # XXXX Balance : {$4300.00} In accordance with the Fair Credit Reporting act the account number # 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 a account without my written instructions
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2018-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: American Payment Holdco, Inc. (DC)

I used the bill payment service offered by XXXX in XXXX to make payments to my credit card account at XXXX  ( the receipts and details for those transactions are below ). Later, XXXX issued a partial refund of one of those payments back to XXXX. XXXX received {$410.00} on XX/XX/XXXX from XXXX, with the ACH trade ID number of XXXX. The document enclosed shows that ACH transfer and includes the ACH trace ID number. I have contacted XXXX multiple times about this refund and they refuse to even investigate it without me providing the XXXX account number that this refund was processed to ; however, I do not know this number and I can not obtain it. XXXX will not provide the XXXX account number because I am not the owner of that account - XXXX is. XXXX can confirm the transaction for {$410.00} using the trace ID number, date, and amount that I provided, verify that transaction, and refund those amounts to me. They have not responded to multiple requests for this. 

Here are the original reference numbers for the payments I made to XXXX using XXXX  : reference number - XXXX XX/XX/XXXX - {$4900.00} reference number - XXXX XX/XX/XXXX - {$4900.00} I am also attaching my receipts for these payments.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (PA)

I signed up with CIT bank FDIC number XXXX and it says my login does not work after it took {$500.00} from me when I transferred it to open the account. I have tried calling multiple times and the wait time range from 150 minutes to 345 minutes. I need help. I feel as my money has been stolen from me and I know I am not the only one. If you go on their XXXX you can see other people are having problems as well. Please look into this and help up.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (IA)

I called today XX/XX/XXXX because I just recently logged into my account to check my balance and it says I have XXXX available credit... I asked the person on the phone why I had no credit and they said it's because my account was closed XX/XX/XXXX by my request... I do not recall ever calling in and so I asked to speak to a supervisor... The supervisor stated that I called in XX/XX/XXXX and closed the account due to low credit limit... I informed him that I never called in...
Consumer complaint received 2018-11-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-07-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 a account without my written instructions Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX XXXX Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number XXXX Account Status Open Date Last Activity Type Responsibility Remarks Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the fair credit reporting act XXXX Department of education/XXXX XXXX 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 also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2023-03-23
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. (IN)

I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

XXXX XXXX XXXX XXXX XXXX US Dept. of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-05
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. (MD)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-07-26
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX XXXX Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number XXXX Account Status Open Date Last Activity Type Responsibility Remarks Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX XXXX XXXX XXXX XXXX, OR XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

My Coinbase account requires 2 step verification to deposit and withdraw money which I no longer have access to. Coinbase had me go thru account recovery process, by re-uploading my driver 's license and taking a selfie on XX/XX/XXXX. The company also told me it would take 48 to 72 hours to disable my authenticator configuration. Now it's been almost a week and I still have no access to my funds. I opened multiple tickets and Coinbase keeps sending me automatic emails stating it will take 48 hours. There's no emails or communication whatsoever sent from a human being regarding this issue. I have {$33000.00} in my Coinbase account in limbo. Coinbase is simply holding my money for their own benefit with no legitimate reason. This shouldn't happen and it's a shame this horrible company is going XXXX. Coinbase has absolutely NO right to freeze my funds. I need access to my money asap.