davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

Hello, I have 2 wire transfer withdraws that have been initiated through a cryptocurrency company called Coinbase in which i sold Bitcoin through them at market price to deposit in my checking account. Both of these wire transfers withdraws were initiated XX/XX/XXXX and show completed XX/XX/XXXX on their website. However both of these wire transfers have yet to be posted to my verified XXXX checking account. It has been 15 business days, way too long, even with the 5 business day delay for wire transfers they state on their website. Keep in mind they also charged {$25.00} dollars each for wire withdraws which have not been processed in a timely matter. I already have a support ticket that has been open for over 2 weeks thate has yet to be resolved, Case ID : XXXX. One wire transfer was for XXXX Bitcoin ( BTC ) for {$220.00} that shows completed on XX/XX/XXXX, reference code XXXX. The other was for XXXX Bitcoin ( BTC ) for {$240.00} that shows completed on XX/XX/XXXX, reference code XXXX. 

My Email for reference is XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. Equifax and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

Equifax, XXXX. XXXX XXXX, XXXXXXXX GA XXXXXXXXXXXX XXXX XXXX. XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX PA  XXXX
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was stunned after I obtained my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they  verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I just received a statement from Bank Of America where they paid my back taxes on my property. I have set payments up on my taxes and have never been up for tax sale. We have up to 2 years for taxes. I have always set up payments and never defaulted. What Bank of America did was set up an escrow a few months ago {$29.00} for taxes per month. With penalties I pay a little over {$2000.00} a year for all taxes that year. I never had problems with them before on this. I had a 20 year fix mortgage with countrywide home loans which bank of America bought out. I have a little over 5 years left on this mortgage. I have never missed a payment or been late on one. So what they did was added XXXX a month to my mortgage. My mortgage is XXXX per month. They now state that I have to pay XXXX per month. I was able to make my payments before. Now I wo n't be able to. That XXXX totals XXXX per year. I thank this is an attempt to foreclose on me with no just cause. There was absolutely no reason for this. I have to live just like anybody else including them.
Consumer complaint received 2017-11-29
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. (HI)

I have an account with XXXX XXXX XXXX XXXX that was a signature loan that went into default because I missed 2 payments. I have brought the account current and I am making payments on the account. The account shows Collection/Chargeoff
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

EQUIFAX CONTINUES TO IGNORE MY METHOD OF VALIDATION/VERIFICATION LETTER! 
They have sent me 3 reinvestigation reports within the past 2 months stating that they performed a reinvestigation! This is a lie and they are in violation of 15 USC 1681 a ( e ) I have sent them an AFFIDAVIT OF TRUTH along with evidence and proof of their blatant lies since they continue to ignore my requests and remove this INCORRECT PUBLIC record on my report.

I also sent them proof that they REINSERTED this INACCURATE Public record which is a VIOLATION of 15 USC 1681i ( 5 ) ( B ) They continue to VIOLATE my RIGHT TO PRIVACY according to 15 USC 1681 ( a ) ( 4 ) and are profiting off of my data while I suffer! 

They claim they have a permissible purpose to furnish said data but NO PERMISSION WAS GIVEN TO THEM from the ORIGINAL SOURCE! They are in violation of 15 USC 1681b ( a ) ( 2 ) According to 15 USC 1640 THEY ARE CRIMINALLY AND CIVILLY LIABLE!

I am holding them civilly liable since they are blatantly disrespecting the laws of congress! They have no regard for the Law and they have no regard for my life!
Consumer complaint received 2018-03-19
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (IL)

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX illinois. I was misled regarding loans. The school falsified my signature in a few loan papers to obtain loan money. I was not aware when this happen all I knew is that the school kept me going to classes. I never graduated with my fellow students. I had to pay for the associate diploma. The department of education has an application for loan forgiveness going but in the mean time XXXX has sold the loans to Navient and other recovery agencies and they all have different loan amounts. I need help resolving this matter
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : DSNB/MACYS ACCOUNT # XXXX The DSNB/MACYS ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly
Consumer complaint received 2024-02-19
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XX/XX/year> Social Security Number : XXXX Loan Amount : {$16000.00} It has come to my attention that negative items are being reported on my credit to XXXX, TransUnion XXXX XXXX XXXX and XXXX XXXX without my consent. Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802.

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life.

I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIEVE ANY RESPONSE.
Consumer complaint received 2021-07-07
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)

I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report I did not make these charges mentioned with the list. I achieve all the qualifications under 15 USC 1681c-2 for Blocked and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I have a 'digital " prepaid American Express gift card.

I have tried several large 'online ' merchants to use the card but consistently. 

AMEX states on their website, it can be used " anywhere '' which is factually, 100 % wrong. 

Merchants, for example, XXXX, do NOT work with this card. 

I am requesting the dollar value of the card either in a check or via XXXX.
Consumer complaint received 2017-11-27
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)

I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX ...., XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX- XXXX .... Experian has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to XXXX or any sort of automated verification. Again Experian failed to comply with FCRA section 611 ( a ) ( 1 ) (  A ) and is continuing to further damage my ability to secure credit. Experian has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.
Consumer complaint received 2022-04-01
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. (FL)

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank told me because I was " tricked '' into sending money on my own through bank of America XXXX then it wasn't fraud I was scammed and it's not likely that I will get my.money back. But they first told me they will freeze XXXX XXXX bank of anerica account that he accepted the money into but then I found out they never immediately did anything and never frozed his account or tried to retrieve my money back. Basically I fell for the trick now say bye bye to my money
Consumer complaint received 2022-04-01
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)

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, phone and SSN being furnished on my consumer report. I demand that the inaccurate information is to be remove and update in a timely fashion.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (TX)

I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was US Bank. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XX/X/2017.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green & Sons Agency, Inc. (UT)

In XXXX of XXXX I hired XXXX XXXX XXXX to apply a XXXX  monintoring unit on a car for a XXXX week surveillance. I was charged {$900.00} for this service and I paid {$900.00} for this service- {$150.00} for installation of the unit, {$150.00} for removal of the unit, and {$750.00} for the 2 week surveillance. My checks from XXXX  XXXX XXXX XXXX for this service are listed below : XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} On XX/XX/XXXX I received an email from XXXX XXXX  XXXX XXXX an invoice showing that I owed {$1900.00}. I attempted to communicate with XXXX XXXX XXXX inquiring about this statement, but never spoke to anyone. 
On XX/XX/XXXX I received another email from XXXX XXXX XXXX with another invoice but this time the invoice amount was {$1300.00}. Again I attempted to communicate with XXXX XXXX XXXX by phone, email, and text, but had no success. 
XX/XX/XXXX I received a notice from XXXX  XXXX XXXX XXXX XXXX showing that I owed {$1800.00} for services from XXXX XXXX XXXX. 
On XX/XX/XXXX I submitted all my documents to XXXX from XXXX  XXXX XXXX XXXX XXXX via XXXX. 
On XX/XX/XXXX I emailed XXXX again at XXXX  XXXX XXXX XXXX XXXX confirming that my account was closed and the issue dropped since I had not heard anything back from them. I never heard back from XXXX or anyone else at XXXX  XXXX XXXX XXXX XXXX. 
Then on XX/XX/XXXX I received a notice from Outsource Receivables Management stating that I still owe money for XXXX XXXX XXXX. I submitted the same info packet to Outsource as I had for XXXX  XXXX XXXX XXXX XXXX explaining that I owed nothing. My account was sent to collection. 
My credit score prior to this issue was at XXXX. At present my credit score is XXXX because my credit shows a delinquency for XXXX XXXX XXXX. I submitted dispute letters with each of the credit report agencies. I have a Financial Counselor from with XXXX XXXX XXXX XXXX working with me. I don't know what else to do.
Consumer complaint received 2021-07-12
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. (PA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach/ Identity Theft all is being investigated by the FTC XXXX According to FCRA 605B this information must be blocked immediately until the investigation over
Consumer complaint received 2022-12-13
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: Grain Technology, Inc. (OH)

For the past 3 months, I have attempted to log in to my account and couldnt. I could not make payments on time and by not being able to do so affected my credit in a negative way. I have reached out to this company by email on several occasions to fix the app issue, and nothing has been resolved. I do not have access to my available credit or to the account to make payments.
Consumer complaint received 2017-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I applied for a consumer credit card with Capital One. My application was denied due to " pending litigation. '' There is no indication of any litigation on any of my credit reports from XXXX, XXXX, or XXXX. On Capital One 's denial letter, there is no indication of where they obtained their information of " pending litigation. '' I called Capital One about this matter and asked where they got this information. They would not tell me. I believe this to be a blatant disregard of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-19
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. (FL)

Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802. 

Furthermore, review attached documents
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020