davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
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. (FL)

I have sent Experian a letter providing specific details of what I want on my personal profile because I noticed a lot of identity theft names, addresses, and employers. I have not received any information back from XX/XX/XXXX, that they removed all names, addresses, places of employment that are not mine based on the information, I provided in my letter. I'm not sure why it's been over 30 days and even when I sent all my proof, they refuse to update and remove all times that could harm my credit report. 

Please have them update and remove all other items, because they were never mine and will or can cause identity theft.
Consumer complaint received 2020-11-23
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. (TX)

This account on my credit report is false. Ive contacted you with validation letters and you sent false information back. The statements you provide had an address that doesnt belongs to me. Its against the FCRA. You will be fined {$1000.00}. I will take legal action if this account is not deleted immediately.
Consumer complaint received 2022-11-17
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. (FL)

In Accordance with The Fair Credit Reporting and XXXX Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions XXXX : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX UNIVERSITY Potentially Negative Account Info Account Name XXXX UNIVERSITY Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Remove those Fraudulent Inquiries XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

I have an account with Coinbase. They blocked me ( and lots and lots of others judging from XXXX reviews ) from accessing our crypto by saying our identity documents needed to be verified. I uploaded my documents 3 times but the message persisted and finally got worse, threatening me with something called 'offboarding '. I first contacted customer service about it on XX/XX/XXXX. After several more complaints they responded today XXXX XXXX saying that the addresses on my documents do not match address given which is a lie. I took comfort in the fact that this is not just happening to me but to other people as well. I am worried that the exchange has been hacked and that they are covering it up. Something is definitely fishy about their behaviour and lack of communication with customers. I would like access to my coins so I can move them off the exchange.
Consumer complaint received 2024-02-21
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. (NJ)

The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account number :
Consumer complaint received 2021-12-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai adjusted wear and tear amount to lower value, which we paid and resolved. It was then reported as a late payment and lowered our credit score. Hyundai is refusing to fix it.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (IL)

On 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-12-08
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. (FL)

1. ) XXXX, XXXX and Transunion refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.
Consumer complaint received 2020-09-08
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. (IL)

IN TRANSUNION COMPANY RESPONSE LETTER TO CFPB, TRANSUNION SAY THE PUBLIC RECORD WAS VERIFIED.TODAY I WENT TO THE UNITED STATES BANKRUPTCY COURT, THEY TELL ME THEY DONT VERIFY ANY PUBLIC RECORDS. SO CAN TRANSUNION EXPLAIN TO ME HOW THEY ARE VERIFING THIS PUBLIC RECORD, I DONT THINK PACER IS THE ORIGIAL SOURCE.

610 ( a ) ( 1 ) ( 2 ) and 610 ( B ) FCRA [ 15 USC1681a ]
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (OK)

I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the Equifax and XXXX data breaches
Consumer complaint received 2021-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I had applied for a loan modification on my second mortgage. SLS had approved me but the surprise was that the bank asked for a XXXX down payment which I didnt have. I am hoping that the OCC can help me save my home and work out something with my lender.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CT)

I am a Coinbase user and when they came out with the Coinbase Wallet app, users were encouraged to move their crypto into it. Im am relatively new to the crypto world, just a year in and while Im not a major investor like some, I use my crypto accounts for rainy day money. I also thought that since its a Coinbase product as well, Id be able to move my funds easily between the two and withdraw as needed. However like every other user, once the money is in the wallet, we can not get it out! I moved half of my assets at the time ( having learned since not to move anymore ) and of today I have {$200.00} in there with no way to withdraw it. They claim that miner fees are high and many times the miner fee is more than double the amount trying to convert or withdraw. I cant even transfer the funds back to the home product of Coinbase! Its the same company how is this allowed?? I have researched this to see if other users are experiencing the same issue and we all are. No one is getting answers from the company. Its like they had us transfer funds to their wallet and they get to keep it now. What kind of scam is this? Like many, Im struggling since the pandemic and every XXXX is allotted for bills and such. Watching this money go up and down with the markets with no way to access it is killing me. Please, something has to be done here. Not just for me, for all of the users! They took our money and wont give it back.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MT)

THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. JPMCB XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite FOUR written requests, Experian has NOT corrected the INACCURATE REPORTING and the UNVERIFIED ACCOUNT on my credit report. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct. 
I requested that the following accounts below be verified or deleted immediately if it can not be verified. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed above. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (MT)

THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXXWESTLAKE XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX  XXXX. XXXX XXXX XXXX ON XX/XX/2021
Consumer complaint received 2021-05-26
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. (OK)

I rally need some help here I feel like these credit reporting companies are ignoring me. I've called numerous times i've disputed incorrect information i saw on my account since XXXX and I haven't heard a single verification, response or anything. These companies are in violation of 15 united states code 1681 ( i ) it has been almost 70 days and they are really causing me stress since these inaccurate items are hurting my credit report. I asked them for simple proof as to who the debts belonged to and they haven't even been able to provide me that. The debts are not mine. I reached out to the debt collecting companies too but still no luck. I have no idea what else to do because i don't want to go to litigation with these companies but i really have no other choice. I know you are here to protect us so please help me. My information also may have been compromised in the XXXX and XXXX data breaches
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I called them to see if I can do something about the account they told me they had repoed the car but I still have to pay due to it not being in the best condition. I dont have the car and havent had it for over 3 years now and they still are reporting to my credit as open and its really affecting my credit score and me getting a new car.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my TransUnion credit report on XX/XX/2020. I notice that Transunion has reinsurted 2 old account of which has been removed in the past for inaccurate, misleading, Unverifiable information. These two accounts has been reinserted without a letter of notification within 5 business prior to reinsurted Account as required by federal law. Section 1681 of the fcra rules. 

XXXX XXXX has been reinsurted on XX/XX/XXXX without notice of reinsertment. A violation of FCRA rules. 

XXXX  XXXX XXXX  has been reinserted in XX/XX/2020 without notice of reinsertment, 5 business days prior. A violation of FCRA rules.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc. (DE)

Complete Credit Solutions is attempting to collect an alleged debt in which I have informed them that I do not owe. I have requested validation of this alleged debt several times ; Copies of documents bearing my signature that clearly state that I have a legally binding and contractual obligation to pay them, the full names, address and direct telephone numbers for each individual they contacted in the course of their investigation to validate this debt. I have been asking for validation for over 60 days and they have failed to provide it but continue to report negative activity on my credit reports. This should be ceased immediately and I demand that this account is removed from my credit reports immediately upon receipt of this complaint. 

Furthermore, this morning I was made aware that Complete Credit Solutions INC attempted to obtain a copy of my credit report from XXXX under false pretenses and knowingly without a permissible purpose. I did not apply for credit with Complete Credit Solutions INC, they are a collection agency. For this violation alone, they are liable for {$1000.00} in damages as per 15 USC 1681n ( b ) Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I have attached the picture of the alert I received from XXXX displaying their company 's name, address and today 's date when they attempted the credit inquiry. 

Please be advised, the mere fact that you have my name, address and social security number does not suffice as proof of validation. Please be aware that I am maintaining an ongoing documented record of my communications with you for the purposes of filing a complaint with the FTC, Civil Court and the state of Delaware Attorney General 's office if the matter is not satisfactorily resolved.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I received numerous amount of letters about a medical bill saying that Ive visit their department or a 3rd party department which is in correct, I have been to a hospital in over 10 years I have my once a year check up with my doctor which is free cover by my 15 year medical coverage, I contacted the collectors asked if they could validate the information because I w XXXX to k ow how this could have happened and to show me documents of the initial visit or whatever information they are claiming was me, I sent one letter to the collector as well as one to the credit bureaus, I results was not received in a timely manner about 50 days later I received a notification from the credit bureaus that my file had been update only to find out it stated all information was correct, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them I had a lawyer advised me to contact you guys to get to the bottom of this
Consumer complaint received 2021-12-07
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. (TX)

I've sent in my FTC report stating that I was a victim of Identity theft. The issue is I still have one account that they have refused to remove. I have answered every questions and sent in everything that has been asked of me but it still has not been removed. This is a direct violation of the law and they do not seem to care.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

You have illegally been calling my job since XXXX. I have not authorized you to call me at my job or does my company allow it. My company has keep all the records of your phone calls. I will take legal action if need be.
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

Customer service does not have a contact phone number and takes an excessively long time to respond. 
Customer service is deceptive, unresponsive, and frequently inaccurate in their response. Multiple attempts at wire transfers failed to a previously authorized account. Inaccurate instructions were provided for 5 weeks in an attempt to resolve resulting in funds that are trapped with this supposed exchange. 
Inability to wire funds to New York State or Washington Site unavailable for over 10 days due to failed software update No ability to withdraw funds via manual check forcing additional fees to send money to another exchange if your bank account is in Washington or New York!
Consumer complaint received 2020-11-13
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. (NY)

Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.