davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I tried to deposit {$2500.00} into my Coinbase XXXX  account. I had forgotten to transfer my money from my checkings account to my savings account, so the transfer failed. Immediately after realizing, I added the money to my checkings account, and then the transfer was successful. 
The money was deposited into my Coinbase XXXX account, but then my account was completely disabled. I am currently unable to transfer money back into my bank account, which is a huge problem for me. I am also not able to buy/sell XXXX, meaning I'm being exposed to much more risk than I want. I previously had {$2500.00} in Coinbase XXXX meaning over {$5000.00} of my savings is frozen. 
I have three unresolved email threads with XXXX, but each time they stop responding. They gave me some very simple advice such as " refresh the app '', " update the app '', " logout and login '', which are not helpful. It seems that they have disabled my account on their end, and all this would take to resolve is a switch on their end.
Consumer complaint received 2020-11-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (MS)

I had already made a payment arrangement with Hyundai motor finance got a confirmation number and spoke to them repeatedly but they continue to keep calling me when they already know they have a payment in the system in one day I get more than 5 calls from early in the morning to the late hours at night. My car is almost paid off but yet they keep calling me for a payment and they have a confirmation number too. This company has made this car payment harassment and say they will note my account and never do.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IN)

I sent RMP, LLC a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 by UPS. It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports. I also never received any initial communication from RMP, LLC regarding this debt. The only way I know it exists is because I monitor my credit reports and noticed that it is being reported. And since I did not receive any letters from RMP, LLC prior to them starting to report the debt to the credit bureaus, I also never received any disclosure of my rights to dispute it.
Consumer complaint received 2019-08-17
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: AMERICAN EXPRESS COMPANY (NV)

My Bluebird by American Express account was permanently suspended XX/XX/2019 without any type of notice or warning, I didn't even realize it had been suspended until I tried getting my bill money off the ATM machine at the neighborhood XXXX and I tried calling customer service but it is just a recording telling me my account has been permanently suspended and I was sent an email to further explanation but I never received the email I have even been checking my spam folder to make sure and after the recording is done it just hangs up and doesn't allow me to speak to any representative. This is unfair to me because I should have been notified before just permanently suspending my account without a warning now I can't even contact customer service to get the remaining of my money off the card it seems I have been blocked from even contacting anyone to help me resolve this problem. Please if someone can help me solve this problem as soon as possible it will be greatly appreciated. Thank you!
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (SC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-05
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. (IL)

There is an unverifiable account on my report. I've submitted 2 rounds of certified, and notarized dispute letters and they state the account is verifiable but have not submitted the proof. Its been over 30 days Since XX/XX/2021 since my second round of dispute letters.
Consumer complaint received 2019-08-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

One example, transunion, did ( INVESTIGATION ), come back with with ones i chose, either should be paid or not mine, had fraud on SS # ; come back all correct, HA, so called one myself, XXXX XXXX, asked billing, why give my XXXXns., info if not use it, she ran it while i'm on phone, was paid right then, she said take off credit immediately, week later still their due to a letter i sent them about their incompetent ( investigating ) billing called right then as ending call, they did their part finally, that's another, always told don't ( really } look at med bills but does affect your score. A double lie, its pretty sad, no one gives a C # XXXX & even to do job right, fire them hire me, must be better than them at it, scary thought, lol, need real help with this please. Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2019-08-17
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. (NC)

I have several loans with XXXX that were reported late around XX/XX/2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling XXXX some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.
Consumer complaint received 2021-07-14
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. (WA)

I disputed a bankruptcy on my Experian credit report due to the fact they did not directly co fact the courts to verify the information and I have a letter from the courts confirming they did not. I have tried to submit the documentation to them and they will not allow me to do so. It has been removed from XXXX  and XXXX  already.
Consumer complaint received 2019-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

To whom it may concern my name is XXXX XXXX and Im hoping I will be able to get some help because I am at my wits end. In a nut shell Ive had Ocwen mortgage company for about 15+ years I have always paid my mortgage every two weeks for two reasons first because I would not be able to afford the whole thing once a month and second because then it cuts your mortgage time in half from 30 years to 15years Now Ocwen was bought out by PHH mortgage services I was informed at that point that I should not send anything to Ocwen , to put my new mortgage companys address into my XXXX XXXX XXXX online bill pay which I did. 
I send {$510.00} every two weeks to the new address have never been late with the payment in my life. Now I start getting these letters from the new company first telling me they dont do this bimonthly billing I am going to be sent to the creditors theyre showing me I owe thousands of dollars which I dont. 
Then, I get another letter saying that they do have a flex pay program but it has to be on their terms the two times of the month that they want it to be and it has to be directly taken out Of my account and each transaction is {$2.00} which is XXXX dollars a month which is a joke and unaffordable I am XXXX years old on SSI less than a thousand a month and take care of my XXXX year old mom am terrified now that this new mortgage company took over that I will not be able to keep my payment schedule that I have had for over 15 years now and I am just so scared now that PHH will not work to help me keep things as they have been and that I may at some point lose my home. 
Please I am begging, is there anything that anyone can help me with to get this resolved before it is too late? 
Thank you so very much in advance for even reading this XXXX
Consumer complaint received 2019-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2019 a hard credit inquiry was made on my credit report by XXXX XXXX XXXX XXXX. The only information I can get from Transunion is : XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX. When I call the number I get a recording that says '' XXXX XXXX   XXXX XXXX HAS exited THE wholesale mortgage channel ... thank you for calling XXXX XXXX XXXX XXXX '' and then hangs up. When I contacted Transunion they told me I had to contact the bank. I called Customer Service and Fraud prevention departments and since I do not have an account with XXXX XXXX, they say they can not help me. I want the inquiry removed from my credit report as I did not apply for anything. I have since requested a freeze on all 3 credit bureaus for my identity. In the meantime I want the fraudulent hard inquiry removed but no one will assist me in doing that. It did lower my score and if it happened to me it is probably happening to others.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2020-09-06
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. (NC)

I've disputed multiple times with XXXX/XXXX/Transunion and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian XXXX and XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately and update the 4 late payments on my XXXX XXXX  to never late paid as agreed. in accordance with the FDCPA.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

In XX/XX/2021 I sent a verification letter to the collection agency Mindland Credit Management ( please see document attached ) regarding an account that I did not recognize on my credit report. The collection agency sent me a letter in XX/XX/2021 but they did not responded to my request. I specified on my letter that under XXXX XXXX XXXX regulations ( section 2-190 of the Rules of the XXXX XXXX XXXX XXXX  ), verification requires all of the following : A copy of an original document confirming the debt ; A copy of the final account statement ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due.

But they only document sent by the collector was a letter from the original creditor informing that the account was sold to collector ( See response by collector attached ).

I do not have aby recollection about this. I have had only one account with XXXX XXXX and it was more than 8 years ago and I think this account was charged off at that moment.
Consumer complaint received 2017-12-20
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: EQUIFAX, INC. (MO)

I have several inquiries on my credit report with both Equifax and XXXX that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. 

Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX & XX/XX/XXXX, XXXX XXXX/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. Ive called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked at my report back in XX/XX/2021 and noticed some things that were reporting incorrectly. I sent multiple letters to Experian asking them to validate these accounts ( XXXX account # XXXX  and XXXX/ XXXX XXXX account # XXXX  ) and to investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). They did not respond, nor did they provide the requested information, which is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ). 

Here are all of the tracking numbers for all of the multiple attempts I have made to correct the information reporting incorrectly on my report : XXXX XXXX XXXX XXXX As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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