davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, My name is XXXX XXXX and Transunion is accused in my case of multiple violations you can see in the attached documentation below. I would like the issues sent in my previous dispute fixed as they have sent in a false claim about a third party company.
Consumer complaint received 2021-09-21
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. (IL)

I have recently sent in multiple disputes letters since XXXX 2021 .Thats right for about 180 days I have been telling you all that you are in MULTIPLE counts of infringement. 

I would actually like to follow along and move forward and sue you all for defamation of character because you all are making me look bad on the outside by tarnishing my report with inaccurate, false and negative items. 

You all send me mail that claim to be accurate with no proof on how they determine the accuracy .I NEVER asked for validation of the account .I said that you all REPORTING false, inaccurate and negative items .Then I ask for it to be removed from my report but you basically telling me no, disregarding that under 15 USC 1692G you must provide me the 5 things that can validate a debt.I then reported and informed you all that you are violating 15 USC code 1666b `` billing error '' with a screenshot proof of every billing error on my consumer report .So, how can you reply back and tell me Im wrong and all that I have been doing is reading the inaccurate information that you have furnished? You are suppose to be reporting 100 % ACCURATE but these items are not even 30 % correct. I have asked and followed protocol numerous amount of times but you are not following the government protocol .If I tell you you are breaking the law and give you a specific law and what youre doing that makes the law broken you sending me this account is accurate and verifiable does not meet the requirement of the dispute didnt ask you is this verifiable .I didnt ask you anything I told you where you were wrong and that I wanted the accounts to be removed ASAP. Did not ask you to send me billing statements saying its accurate because yet again you are disregarding my FDCPA FCRA rights. 


I will also attach a screenshot file of my report that shows all of the inaccurate information under the attached document file AGAIN im asking for all of this to be removed from my report as it should be
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have several cryptocurrency wallets on Coinbase since 2017.

Since last XXXX, Coinbase has restricted my account and won't let me trade with it, I can't buy, sell or withdraw my money to close my Coinbase account.

It continuously asks to validate the account and I have sent countless photos of my ID and driver 's license, but it is impossible.

I have opened numerous cases to Coinbase support but in none of them I have obtained neither answer nor solution.
Consumer complaint received 2024-03-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC (CA)

Subject : Urgent Request for Correction of Payment Reporting and Payoff Letter - Loan # XXXX CrossCountry Mortgage, LLC Dear Sir/Madam, I am writing concerning my loan account # XXXX with Cross Country Mortgage. I have recently observed discrepancies in the reporting of my XX/XX/XXXX payment on my credit reports, which are adversely affecting my ability to obtain credit. I believe these issues are due to errors in processing on your end and not any fault of my own. 

Your records indicate that my payment of {$3500.00} for XX/XX/XXXX was received at the end of that month. I assert that I never submitted any payment in XXXX. The payment in question was indeed made in a timely manner in XXXX, as evidenced by two payments reflected in your records as received on XX/XX/XXXX. Furthermore, I encountered multiple glitches and malfunctions in your online payment portal during XXXX and XXXX. The constant upgrades, redirects, and newly hired overseas customer service may have compounded these issues.

Here are the key details supporting my stance : 1. Consistent Payment History : I have maintained a long-standing history of on-time payments with your institution, verifiable through my account history. 
2. Payment Attempts : In XXXX, I made several attempts to ensure correct processing of my payment : Check # XXXX dated XX/XX/XXXX, initially missing but processed under # XXXX on XX/XX/XXXX. 
Payment # XXXX dated XX/XX/XXXX. 
3. Error in Payment Application : The payment made in XXXX was erroneously applied to XXXX. 
4. Attempted Resolution : Following the missing check incident in XXXX, I promptly issued another payment to cover the amount. 

In light of these points, I respectfully request the following : 1. Immediate Correction of Credit Reporting : Kindly remove the late payment report for XX/XX/XXXX, as it was due to processing errors and not a lack of payment on my part. 
2. New Payoff Letter : I need an updated payoff letter, valid through XX/XX/XXXX, confirming that all payments have cleared. 

I value my relationship with Cross Country Mortgage and wish to continue it as I look to secure another property. However, the current situation requires prompt attention. I believe a courtesy adjustment for a long-standing, punctual customer like myself is reasonable under these circumstances.

Attached are the proofs of payments made on time. Please review them and make the necessary corrections. I am hopeful for a swift resolution to this matter, failing which I will be compelled to file a formal complaint.

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX Regarding Property : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC ()

On XX/XX/2021 I withdrew my funds XXXX gbp to my bank acount via gemini automated bank connection and transfer service. 

As of XX/XX/2021 the funds have not arrived in my bank account. I have sent several support emails asking for the swift transaction reciept and in replacement i have been told in 1 email to see the faq. In another email to see the faq again and in another email i recieved a etherium network address. None of which have answered my request so my recieving bank can try and trace the missing fund and also i have requested gemini to locate the funds also. Gemini now seem to be ignoring my emails. 

Account XXXX XXXX
Consumer complaint received 2020-12-08
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)

am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2018-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I set up my student loan payments months ago with Navient via monthly auto pay through my checking account. The first payment of XXXX was to be withdrawn from my account on XX/XX/28. I received a notice shortly after stating that my payment was rejected due to " no account ''. I called the company to find out why and they stated that they had submitted my payments with my incorrect last name, my maiden name. They also sent me a notice stating the same in writing. We resubmitted the payments and now I just received another notice that the payments rejected account due to " no account ''. I tried to verify my checking account information with the company since I am unable to see it on their website, it is a " masked '' account. The Navient rep on the phone also said that could not see the account information either and that if something is wrong with the account there is a form that I need to fill out. I find this very inconvenient and she never emailed me the form as she said she would. The company keeps sending me past due messages now and this appears to be an error on their end. I am requesting that the company fix my payments immediately and that any interest/late fees are waived due to this error. I would also like someone to contact me immediately to verify my account number since I can not get this resolved or verified otherwise.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Systematic National Collection, Inc. (CA)

On or about XX/XX/XXXX I mailed a letter Systematic National Collection ( SNC ) in regards to a {$390.00} collection that they posted on my credit report. My correspondence was to try to settle the aforementioned collection. I did not receive a response via mail, but they were still sending me a bill threatening to report the debt to all collection agencies if I did not pay. A few months later, I received a call from a SNC representative named " XXXX '' ( no last name was given ). During our conversation, he stated that they had received my letter but could not accept the amount I had offered to close the case. I explained my financial situation and how difficult it would be to pay. He stated that the best they could do was to waive any interest fees but I would still have to pay the full {$390.00} in order for that to be removed from my credit. With that in mind, I sent SNC a payment of {$390.00} ( as it is the amount shown on my credit report ) on XX/XX/XXXX. On XX/XX/XXXX, I called SNC to see if they received the payment and check on the process of removing the collection from my credit. I spoke with " XXXX '' who admitted that they had received the payment but went on to say that it was n't the full amount and that I also owed interest. He claimed that the amount on my credit report XXXX {$390.00} XXXX and what I paid XXXX {$390.00} XXXX were different and on top of that I still owed interest. He would n't let me ask questions to help me understand and threatened to hang up the call ( which he ultimately did ) because " I talked over him ''. I called back a minute later and spoke to a different representative and tried to explain the situation to no avail. That representative stated that there were no records of " XXXX '' offering to waive the interest fees and remove the collection from my credit if I paid the full {$390.00} amount.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am in the midst of purchasing my first home and am trying to increase my credit score to qualify. I have been a Capital One credit card holder for nearly two years, but accidentally had a late payment in XXXX 2014. I called and wrote a letter to Capital One on XX/XX/XXXX.The CO customer service rep I spoke with on XXXX told me it was " no problem '' and that she was " happy to report that the late payment will be removed, you should receive a letter of confirmation in 8-10 days and will see a late payment refund on your account ''. 

I CO called back on XXXX to see if I could get a copy of the confirmation faxed to me, but the rep said this was not possible. The gentleman I spoke to even stated again that the request was approved. 

I received the letter on XXXX that said my request was denied as Capital One XXXX CO XXXX was reporting the information accurately and that it would be escalated to a DISPUTE to the credit reporting agencies. I never denied the accuracy of the reporting but instead was asking CO to make a gesture of goodwill to me as a loyal customer and delete the late payment status. Now, I have a dispute on my credit report that will prevent me from moving forward on obtaining a mortgage loan ( until it 's resolved XXXX AND will cause my credit score to lower! This action should be against the law as I NEVER asked for a dispute, either by verbal confirmation or in the letter I sent. 

I never asked for a dispute but instead for a " gesture of goodwill ''. Those XXXX are not the same, and should not be used interchangeably. The staff should be trained on what " goodwill gesture '' and " Dispute '' is.
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (OH)

Repetitious phone calls by XXXX XXXX with Northstar Location Services LLC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX - from XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX
Consumer complaint received 2021-04-30
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. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Affidavit of debt validation and settlement was sent out via fax and certified mail. There was no proof of a response mailed back to me. They have continuously said they have sent a debt validation out under FCRA. PLEASE make sure they have proof of this letter not just words saying they have sent it. I would like a certified Mail receipt. Thank you
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

XXXX citi bank approved me for XXXX $ secured credit card withdrawal XXXX $ from my checkingaccount. On XXXX I went to make a purchase. It was declined I checked account and seen it was closed. Shocked! 
I called customer service they told me to wait 30 days for my XXXX $ Only to offer paper check to be refunded I asked where is my money! 
I wasn't given answers but, " well you need to check your XXXX  and credit '' Very rude and patronizing demeanor towards me. 
Disgusting financial institution, to claim helping individuals, instead deny knowledge of closing the account and deny refund. 
I can't afford to wait 30 days before returning my money. 
Huge scam to false promote service. They refuse to explain cause! 
Tell me I need to do research on why it was closed. And say it was a bad decision to open the account in the beginning. 
. Wowww. To XXXX WITH CITIBANK
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian is refusing to investigate and remove incorrect information on my credit file. 


1. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX The account status should be pays as agreed. 

2. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this account or provide validation information. 

3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

After pulling my credit report on XX/XX/XXXX I noticed an account ; XXXX XXXX XXXX XXXX on my credit report. I have no knowledge of this account & have been victim with 2 data breaches that have resulted in identity theft. I've called multiple times to get this account closed & deleted from my credit report with failure or no response from the company. Attached is a copy of my Federal Trade Commission Affidavit to speed this process up. I have reached out to XXXX, XXXX XXXX XXXX to delete this account which have referred me back to the original furnisher. I have spoke to several customer service representatives whove all refused to assist myself or properly investigate this situation & unable to even locate an account with them but yet to continue to report on my credit report monthly. Ive requested multiple documents, information to assist my case with no response. On XX/XX/XXXX I received an email from a company named Radius Global Solutions reference XXXX XXXXXXXX to an alleged debt I have no affiliation with. I have attached a copy of my original FTC affidavit.
Consumer complaint received 2018-09-29
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. (FL)

I have a item on my credit file with XXXX, TransUnion, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.
Consumer complaint received 2015-10-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages.
Consumer complaint received 2023-01-11
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account below has a XXXX balance. I received a Form XXXX, Cancellation of Debt on this account more than 6 months ago. 

XXXX XXXX XXXX {$31000.00} Please have The bank provide a letter stating that ths account is not a XXXX or if it is one.