davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

Summary : Coinbase failed to pay me {$1800.00} after I sold assets. 
On XX/XX/XXXX ( 14 business days ago ) - I sold Litecoin in Coinbase. 
On XX/XX/XXXX ( 7 business days ago ) - I sold BTC in Coinbase. 

Both transactions show " completed ''. Their website first said " wire delays 2-3 days '', then " 5-7 days '', now " 10 days ''. I am at 14 business days now. They are keeping my money. Repeated attempts on gaining an estimate have failed. They do not answer their phone. 

I wish for them to do the following : 1. If wire transfers do not work - then perform an A.C.H. 
2. If they are unable to perform the above, then redeposit the sold LTC & BTC into my wallets. 
XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Extended Details : > > > > > > > > > > > -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Total Loss : {$1800.00} Sold Litecoin XXXX LTC @ {$360.00} per LTC Reference code XXXX Payment Method My credit union.. 
Fee {$25.00} Subtotal {$360.00} Total {$330.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sold Bitcoin XXXX BTC @ {$17000.00} per BTC Reference code XXXX Payment Method My credit union. 
Fee {$25.00} Subtotal {$1400.00} Total {$1400.00} XX/XX/XXXX XXXX XXXX Completed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Company Regarding : CoinBase XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX-XXXX XXXX@XXXX.XXXX  www.coinbase.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Summary : I executed the above noted trades. One has been over 14 business days. The other, over 7 business days. Coinbase, at first, estimated delays of " 2-3 days '' ; then " 5-7 days '', now " 10 days ''. 

They never wired the funds to my bank. 

I submitted an inquiry via their support website ( they do n't offer phone support ) on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 've got 2 " cut and paste '' replies that state they are sorry and working on it. However, their website states there are only 10 day delays for wire transfers - but it 's been 21 days ( 14 business days - as of XX/XX/XXXX ). They 've apparently sold my holding, stated it 's " complete '' and still are holding my funds with no intention of depositing it into my custody. I tried to call them today & they do n't answer. 
= -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2024-01-30
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/2021 a company by the Name of XXXX XXXX XXXX XXXX A third XXXX XXXX XXXX XXXX whom Ive Never Contracted with ) contacted Me about a alleged Debt using False and Misleading Representations ; according to title XXXX XXXX XXXX. 

Also violating My Consumer rights according to XXXX XXXX XXXX stating I owe a Debt in the Amount of {$260.00} From a Company called Cornerstone who has not validated the Debt but claims to be the Creditor, which again is False and Misleading I have given notices to this company and told them to stop Contacting Me Via Telephone because I have not giving them any consent or permission to contact me. 

The alleged Debt lacks validation, or a affidavit of XXXX or XXXX XXXX.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I was never XXXX days late on this loan. I paid the payment due when it was 24 days late on XX/XX/21 ( see attachment ). This is unacceptable to make false remarks on someone's credit report. I noticed this today XX/XX/21 after checking my report. My contract number is XXXX
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (FL)

I received a letter from a collection agency attempting to collect a debt on behalf of XXXX Bank in the amount of {$640.00}. I am disputing the collection attempt as the agency is not license in the state of Florida. Also per the XXXX XXXX XXXX XXXX XXXX XXXX search the company 's license status indicates 'Denied Tech ' ( See Attached )
Consumer complaint received 2021-04-22
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. (CA)

Im so sick and tired of EXPERIAN reporting false accounts that have not been validated by myself who the original creditor. They have reported these accounts and hurt my ability to obtain credit and I am sick and tired of this mess! It will stop now and right now today! 
Experian is I. Violation 15 USC 1592g, they were to notify this in writ g XXXX days before and I was not! I am the original creditor and only I can validate these accounts! I do not validate these accounts. Therefore, the following accounts must be deleted. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Department of XXXX XXXX Failure to respond satisfactory with the deletions of the above account will result in action being taken and a {$1000.00} fine per violation. 

XXXX ) Defamation XXXX ) negligence enablement of identity fraud XXXX ) Violations of 15 USC 1692g
Consumer complaint received 2018-01-02
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. (MT)

On XX/XX/XXXX, I filed a complaint with CFPD ( Complaint Number XXXX ) against Transunion regarding inaccurate reporting of information on my credit report. More specifically, reporting 30 days late on my XXXX account for the month of XX/XX/XXXX. At that time, I provided correspondence from XXXX indicating that the month of XX/XX/XXXX should be reporting as current. 

On XX/XX/XXXX, I received information from CFPD wherein Transunion responded we have removed the XX/XX/XXXX late payment history from XXXX XXXX # XXXX. 

On XX/XX/XXXX, I pulled my report from XXXX and in fact Transunion did update this account to current. 

On XX/XX/XXXX, I pulled my report from XXXX and Transunion has reinserted the 30 days late status and they are now once again reporting this account with inaccurate information.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (DC)

XXXX is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have contacted the companies and the credit reporting agencies about these inquiries that I did not recognize and they refuse to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (TX)

I, consumer and natural person, received a bill demanding to pay. I have never went into a consumer transaction with SYNERGETIC COMMUNICATION, INC. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.
Consumer complaint received 2018-01-02
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. (FL)

On XX/XX/XXXX I placed my objection to Credit Report issued by Experian showing an account with XXXX with an outstanding balance of {$480.00} still remained unpaid and thus affecting my credit score for which other financial Institutions declined their financial services. 

I sent in my dispute of that false information and submitted copies of the settlement offered by XXXX XXXX XXXX XXXX in behalf of XXXX back on XX/XX/XXXX, as well as copies of payments cancelling my debt as of XX/XX/XXXX ( that is TWO years ago ) as it can be proven with the attached documents.and requested Experian to delete this item from my credit report. 

Furthermore I spoke to Experian Customer Service about the dispute initiated and they only limited to tell me that I had to address my concerns directly to XXXX for which I rejected this procedure because they were directly involved in the lack of accuracy in my credit report and they were making business selling that information. 

Finally the most weird response came from Experian telling me that they can not honor my request alleging that because you did not provide sufficient identification information for us to verify your identity or the information you provided was not legible ( see attached letter ) I also spoke to XXXX  Customer Service and as per their instructions I faxed them the same documentation sent to Experian and toi this present date the issue remains unresolved affecting deeply my good record
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for Equifax. Equifax has updated and conducted investigations which they have already updated. Unfortunately XXXX and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
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 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (VA)

My father used my credit card by mistake for over 20 years. XXXX Credit Card never verified that the person who uses my card were a different person ( My father XXXX years old with XXXX ) My father ruined my credit on XXXX 2017. The late payment was the reason why I knew my father used my Social Security to get a credit card almost 30 years ago. I called the credit card company and spent 3 days trying to block the card, finally after humiliations by customer service we finally get the card blocked. My sister who is my father representative called the credit card company too and explained the issue. I recorded the call for my records and they blocked the card. But, I need the Credit Card Company send a letter to the credit Bureau clarifying this issue and requesting to return the points to my credit report. It is all I ask for a complete reposition of my fair points in my credit report. I made this complaint before, but XXXX credit card, responded with a false statement " they did n't know if the credit card were used for a different person. They knew perfectly who were using the card and were they send the statement for over 20 years. 
Please help me.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I had deposited a {$10000.00} check into the account. So I had money in my account, the Bank of America put a hold on it. I had out that money in the account for bills that were coming out in the next few days. Those bills hit like normal and it put my account in overdraft because their hold on MY money. I deposited the money days before the bills were withdrawn. They charged me for two overdraft charges of {$35.00} each. If I have money in my account that would easily cover the amount of the bills, they should not charge me overdraft fees when it is their fault they were holding MY money. Im looking for a return of my {$70.00}.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (CA)

Consumers need to be on the ALERT about a law group name, XXXX XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX and other alias. The are a debt buying firm and they obtain  FALSIFIED judgments. An Earnings Withholding Order was received by my employer from this firm claiming they have a judgment against me for a debt from XXXX card. I called XXXX card and they notified me that the debt was charged off ( sold ) and if anyone is making an attempt to collect it is for their benefit not XXXX. I gave them the name of the firm and they told me that I needed to contact them because XXXX has NO ties to this firm. Upon reviewing the " court documents '' it appears that XXXX XXXX XXXX XXXX XXXX alleged to have served me, however according legitimate court documents XX/XX/2016 shows that papers were returned due to not found/no service. They then started to submit false documents to the court stating I was served as to obtain a default judgment. I am not the only person that this has happened to, matter of I have a co-worker that they are pursuing as well. Please investigate the practices of this business.
Consumer complaint received 2017-07-11
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. (TX)

I have contacted XXXX Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives. <P/>I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have called these 3 companies over and over again, I do not have a legal debt with none of these companies but they are asking for money. I am not going to verify myself to a stranger. The debts I had was all charged off. I have never did business with them and I have never verbally agreed to paying them anything. What they are doing is illegal and all I want is this mess off of my credit. PORTFOLIO RECOV ASSOC Phone ( XXXX ) XXXX is on my credit report twice with all three credit company 's. They say I owe a balance of {$1300.00}, and {$2200.00}. This has been on my credit report for the last 6yrs, almost 7yrs and I want it off of my credit. XXXX XXXX XXXX XXXX {$3600.00} Phone ( XXXX ) XXXX - Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX. The XXXX has been deleted with XXXX and XXXX. But it stands with XXXX. I have went back and forth with the credit companies and they have advised me to follow up with Consumer Financial protection. Collections agencies buys these debt and buy it in a huge portfolio. I do not have a contract with these companies. All my past credit cards have been charged off, so I want these collections off of my credit.This debit was sold to a collections agencies, I didn't agree for the creditor to sell to a 2nd and 3rd party. Nor did I sign a contract. I have no regulations of what these collection agencies are trying to collect.
Consumer complaint received 2017-12-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX  XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX  opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (OH)

We disputed the exorbitant charge for damages or condition of XXXX car when turning in lease as per the agreement. They then charged off the remainder and gave us a bad credit report without discussing with my wife what they were doing. I was a bystander to this mess, even though I co signed and ensured all payments were made on time.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Upon recent review of my credit reports, I noticed a collection account outstanding from XXXX XXXX XXXX ( XXXX XXXX XXXX ) for the amount of {$950.00}. I 've since tried to contact the company to resolve the account on 2 separate occasions asking them to provide proper validation to verify the account as being owned by me as outlined by the FCRA. The account remains unresolved. The first goodwill letter was sent and received on XX/XX/XXXX and the second on XX/XX/XXXX. I 've received correspondence from the collection agency with account statements attached as proof of ownership however nothing that bares my signature.
Consumer complaint received 2017-07-11
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. (TN)

I was given custody of my grandchild after he was XXXX XXXX XXXX XXXX  with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through XXXX. They are stealing my child support from social security. I was given custody on XXXX of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule XXXX XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Was unable to log in to make a payment. Was directed to customer service who took down the wrong information or just completely mishandled the concern. They attempted to take money from the account for payment in full which should have been minimum due For XX/XX/XXXX. Therefore cause the payment to bounce when they decided to close my account on XX/XX/2022 with no notice. I found out account was closed by my credit report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or Experian in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.