davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Global Lending Services LLC (TX)

I have asked GLOBAL LENDING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX to show me a original contract with my signiture on it showing the alleged debt that GLOBAL LENDING SERVICES claim that I owe {$15000.00}, and all GLOBAL LENDING SERVICES have provided me are statements to an account that GLOBAL LENDING SERVICES can not prove is mine. 

GLOBAL LENDING SERVICES have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 


I refuse to pay this alleged debt. Please cease and desist all collection activities I would like for this to be taken off my XXXX, XXXX and XXXX credit reports immediately as of XX/XX/2022!!!. and never to be put on there again. 


15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2017-12-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX XXXX XXXX I bought XXXX USD worth of XXXX on CoinBase using my XXXX bank account, without being asked for personal identification. 

On XXXX XXXX the value of the XXXX has gone up and since XXXX futures would start trading on XXXX XXXX I decided to reduce my exposure and attempted to sell the XXXX USD worth of XXXX I was only able to sell XXXX USD worth of XXXX  into us dollar at the exchange rate of $ XXXX/XXXX  HOWEVER, Coinbase asked for my personal identification in order for me to sell the rest of the XXXX. Since I am a XXXX student in the US using a XXXX XXXX I am unable to provide my SSN, so I had to take pictures of my passport and send it to Coinbase.

Coinbase uses a third party to verify my XXXX ID and the third party is not working. I have waited for two hours and still have not got a comfirmation, and the value of the rest of my XXXX is going down rapidly ( down 7 % since I have initially attempted to sell ) as of the time I am writing this. 

Why did Coinbase not notify me of this when I made the buy order? Now my assets are being exposed to risk that I do not wish to because I can not liquidate them into US Dollar due to Coinbase 's identification system not working for XXXX XXXX holders.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MT)

I was approved for a balance of {$12000.00} on a Chase Credit Card. I requested a balance transfer of {$12000.00}. I received an email asking if I requested a balance transfer of {$11000.00}. I replied " No '' as this was not the balance I requested. Chase now states that since I replied " No '' the balance transfer was cancelled. I explained to them that I answered their email correctly. I also received a letter from Chase stating " We transferred part of your balance '' and further " Amount we will transfer {$11000.00} ''. We were not contacted by Chase when the cancelled the transfer. Chase now states they can not transfer this amount do to their policies. The failure of chase to provide the service they had promised and approved has resulted in additional costs to us. We want to be compensated for our loss due to their " Bait and Switch '' tactics.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. 
If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. 
You have 15 days to remove and cease and desist all communications.
Consumer complaint received 2018-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.
Consumer complaint received 2016-03-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I sent a request for validation that XXXX signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
Consumer complaint received 2024-01-31
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (NY)

Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX. 

One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

on XX/XX/2016 FHA borrows XXXX XXXX XXXX and XXXX XXXX XXXX closed FHA loan to buy property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. 
XXXX, represented buyer in purchasing the residentail property, recieved {$6600.00} commission check on closing. 
on XX/XX/2016 XXXX and XXXX, XXXX XXXX entered into settlement agreement with settlement payment that XXXX XXXX shall pay to the XXXX the amount of {$3300.00} ''Settlement Payment. In consideration of the mutual covenants, promises and releases in this Agreement, upon receipt by XXXX of copy of this Agreement signed by XXXX, XXXX shall pay the the amount of {$3300.00}. '' " Release by XXXX In consideration of the terms, conditions and mutual releases contained in this agreement and the settlement payments, the XXXX, fully release and forever discharge XXXX, againt any and all liabilities, claims, administrative complaints, cause of action and suits that XXXX have or may have againt XXXX '' Such settlement is FRAUD AND PROHIBITED BY RESPA AND SUBJECT TO CRIMINAL PENALTIES. 
RESPA prohibits a person from giving or accepting any part of charge for services that are not performed. Section 8 of RESPA PROHIBITS anyone from giving or accepting a fee, kickbacks in involving a federally related mortgage loan. Kick-backs, unearned fee are subject to criminal and civil penalties. 

THE FACTS : During transaction to purchase property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, No complaint/claims been filed in Georgia Real Estate Commission by XXXX. 
No complaints/claims been filed in XXXX XXXX by XXXX. 
No complaints/claims been filed in XXXX by XXXX. 
No investigation have been conducted in regards of claims, demands, administrative complaints, suits during real estate transaction. No parties been involved. No one been aware of claims/complants/law suits brought up by FHA borrow XXXX. 
Lender wells-fargo Lender have NOT been aware of settlement payments to FHA borrow XXXX. Wells Fargo lender was originating the loan : XXXX XXXX and XXXX XXXX Closing attorney XXXX and XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 
Listing brokerage XXXX XXXX XXXX XXXX, agent XXXX XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 

''settlement agreement and release of claims '' signed by XXXX XXXX and XXXX XXXX XXXX FRAUD. Violate Federal and State law, such as RESPA section 8 kickbacks, fee-splitting, unearned fees. 
Threfore, XXXX XXXX broker at XXXX and XXXX are subject to criminal penalties of {$10000.00} and XXXX up to one year. 

FHA borrows XXXX XXXX and XXXX XXXX and broker XXXX XXXX shall be XXXX for up to 1 year and pay fee of {$10000.00} each.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the fcra these inaccurate negative inquiries must be removed from my credit report asap Unrecognized inquiry on Transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MN)

My Current Balance is incorrect. 
My account reads : Last Satement Balance as of XXXX XXXX, 2017 = {$1500.00} Recent Transactions = {$1.00} Recent Payments and Credits = - {$0.00} Current Balance = {$1600.00} Please do the math and notice that XXXX + XXXX does NOT equal XXXX Please correct.
Consumer complaint received 2024-01-31
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. (MI)

XXXX XXXX and Experian continue to report my account inaccurately. The credit application is the security that is being securitized for income. The IRS says I am entitled to the principal and interest of the account. XXXX XXXX should be responsible for the taxes. XXXX XXXX is selling this deceptive information to Experian who then is placing these alleged late payments onto my credit report. This is a violation of the fair credit reporting act.
Consumer complaint received 2018-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im a victim of identity theft. My XXXX XXXX XXXX XXXX credit card account # : XXXX is lost/stolen. The fraudulent charges/transactions of {$22000.00} dont belong to me and they not my charges. The following XXXX XXXX XXXX XXXX # : XXXX, balance of {$420.00} is a fraudulent and unauthorized account and dont belong to me.
Consumer complaint received 2022-01-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

On or about XX/XX/2021, the following unfair or deceptive act occurred : I was offered a repayment plan beginning on XXXX XXXX extending for a XXXX period with a payment of XXXX for payments accrued during the XXXX XXXX moratorium period. Although I disagreed with the plan and despite numerous attempts only received boiler plate responses from an automated service without the courtesy of a signed employee or any relevant information that led to the automated response, I made the 1st payment signed and received by your XXXX XXXX XXXX office on XX/XX/XXXX 4 days before the due date of the payment. Along with other letters for an appeal of the finding as per section RIGHT OF APPEAL SPS never processed the check, when I noticed my check not being processed, I called on XX/XX/XXXX to inquire and was told my payment was not received and the payment plan rescinded I promptly and a payment for the lost check and filed an appeal and furnished USPS Proof of Delivery on XX/XX/XXXX at XXXX am
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (RI)

On XX/XX/XXXX, I signed on to my Coinbase Account to sell Bitcoin for USD. 
Transaction was to sell XXXX BTC for USD to be wire transferred to my Bank acct. 
At the time of the transaction Btc was around {$4000.00}. Coinbase acknowledged the request. The BTC was deducted from my wallet, but the USD never appeared in my bank. I contacted Customer Support, they assured me that my funds were safe. After weeks of radio silence they responded and acknowledged that there was an issue and said they would return my funds to me. The Customer support agent stated that this was high priority for him and would be resolved on the following business day. That was XX/XX/XXXX. 
I still have no resolution and feel that my complaints are going unanswered. I want my Bitcoin back into my account as if this never happened. XXXX Btc is worth around {$8000.00} right now. It has been 3 months that Coinbase has made my funds unassailable.
Consumer complaint received 2024-01-31
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. (FL)

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 : Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX. However, they stated everything was completed 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 arent reported 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 information is inaccurate.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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. (MI)

XXXX XXXX XXXX  and Experian is reporting inaccurate information. The credit application that was received by XXXX XXXX is the security that funds this credit transaction. The IRS clearly and conspicuously states that I am entitled to receive the principal and interest while XXXX XXXX has to pay the taxes. Thats how I know this account could have never been late because XXXX XXXX  was required to apply the interest to the balance to settle the account.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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 checked my credit report and found out that the Bank : XXXX XXXX XXXX is fraudulent reporting a car loan under my name which Ive never done business with them besides the only car i have on my credit is a Lease from XXXX XXXX it wont make sense that i do business with a small bank like XXXX having a lease from XXXX XXXX its clearly a Fraudulent Account
Consumer complaint received 2020-04-07
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)

XXXX, Transunion, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Snow and Sauerteig LLP (GA)

In XXXX XXXX, I went to XXXX XXXX in XXXX, Ohio. No X-rays were done, no medication administered, and I was only there about 20 minutes. XXXX XXXX submitted the wrong dates to the insurance company, so there was a payment issue. I called XXXX XXXX repeatedly for an itemized bill of services and sent emails to show I was not in the state on the dates they submitted to the insurance company. XXXX XXXX has sent the bill to several collection agencies, I have continually disputed it, and now Snow and Sauerteig has it on my credit report.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XXXX/XXXX/XXXX I accidentally paid XXXX through XXXX electronic payment to HSBC card services. My account with them was closed years before. The transaction number was XXXX. I have called and spoke with both chase and hsbc and they bothe said there was nothing they could do and the money should bounce back into my account within a few weeks. I have not received my money back and I am so stressed out. Please help! Thank you!