davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (MS)

I have requested that the public record on my personal credit report is reporting completely and accurately. I have asked that all information verified include the complete and full court name reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition date file date, paid date and settle date. If you are unable to verify any of the information requested, please remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Consumer complaint received 2021-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (GA)

The balance on my credit card with US Bank is incorrect. I called multiple times and spoke to multiple people. They told me their policy is to only update information once a month and will not update or correct information in between even though their incorrect balance is affecting my credit score while i am in the middle of getting a mortgage. The only escalation is to a supervisor who states the same thing. They do not have a way to contact the credit dispute center other than mail and they do not have anyone to talk to or connect with at the corporate level. They transferred me back to the credit card supervisor. They basically told me I could dispute with the credit bureaus or send in a letter and if they think it's incorrect they will update but there is no way to follow up or get any info on that process. I can only send in the letter and they will get back to me in 45-60 days.
Consumer complaint received 2019-10-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Collection agency didnt validate debt they bought. Several letters I sent to PRA with request to validate XXXX XXXX balance allegedly owned with no valid response from collectors. However, I have provided collector with check copy which show paid off balance for the debt they were trying to collect second time. Despite all my efforts to proof the debt was paid off, PRA sent note to XXXX with attempt to collect debt which was paid off 4 years ago
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

The company is coinbase pro that serves as a wallet and portal for cyrptocurrency. Without notice, Coinbase upgraded it's security protocol that required two factor authentication using a cell phone number.

When myself and many others tried logging in, we were unable to access our funds because we had not setup cell phone numbers within our accounts. I have sent numerous correspondences with my Govt. ID and other verification documents but they won't respond ( beyond automated responses ).
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo on XX/XX/XXXX regarding several unauthorized transactions that were made from my savings account on XX/XX/XXXX for {$40.00} at a non wells fargo ATM, XX/XX/XXXX for {$23.00}, XXXX for {$23.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XXXX for {$63.00}, XX/XX/XXXX for {$43.00}, XX/XX/XXXX for {$43.00} and XX/XX/XXXX for {$42.00}. XXXX and all of them have atm fee of {$2.00} + wells fargo fee of {$2.00}. I informed them that i have never gave anyone my card or pin number and i never use a ATM thats not Wells Fargo and i dnt do withdrawal from my savings unless its online banking and they informed me that my chip was used so therefore my claim was denied. I asked if there was anything else they could do to get my money and further investigation by checking cameras on the ATM and they informed me that they could no longer assist me because the claim was denied. I was very upset due to them not being considerate about the the situation and how i couldn't be responsible for those transactions that were made. I asked if there was anything else i could do and they wouldn't assist me with anything and i felt very disrespected and not valued as a long time customer.
Consumer complaint received 2017-07-05
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. (CA)

This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Collection account. {$3400.00} past due as of XXXX XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Creekside Recovery And Capital Management (AZ)

Received a voice message from a man named " XXXX '' on my personal cell phone, referencing a case # and a phone # to call back for any questions or to make a payment. Also stating he was on his way to my residence as well as my place of employment to serve me some important legal papers. I called back the # that was left and got a recording stating it was Creekside recovery and capital management, I gave my case # and informed the gentleman I had filed for bankruptcy in XXXX of 2014 and asked why I was being called and was promptly hung up on.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I had gotten an alert from XXXX XXXX monitoring that new inquiry was made by USAA on the XXXX of XXXX I tried calling multiple times to close or report it as fraud, so it doesn't get approved since I didn't know anything about the USAA CC. I was transferred a dozen times each time I called or was put on hold for hours without any response. I requested a XXXX and after an hour was told it was approved to talk to a XXXX, but then was cut off during the transfer. I had XXXX more credit alerts this week XXXX the address was changed to XXXX XXXX XXXX XXXX in Tx and there was a {$14.00} charge and I lost XXXX points on my credit. I tried calling USAA, but no help I called XXXX and they looked into it. There was an CC issues at the end of the year 2000. I never activated it so almost 20 years later they did a credit inquiry and charged me {$14.00} for nonuse of a credit card I never used 20 years ago. For some reason USAA changed the XXXX address to the shady XXXX XXXX in Tx and that is their credit card department address is what i was told. After XXXX hours of being on hold today I still have gotten nowhere with them. I need the card any anything associated with USAA cancelled and refunded.
Consumer complaint received 2017-08-10
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. (TX)

I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with Experian within the required 30-day period.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau XXXX with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.
Consumer complaint received 2016-06-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing ( SLS ) recently wrote to inform me that I did not provide them with all the documents needed to complete my modification application. This is untrue and follows the pattern of months of having to resend documents multiple times. In fact XXXX of their agents informed me today that the document first thought missing was actually sent by me on XXXX XXXX. As a result of not acknowledging or accessing all available documents for their review, I was informed by an agent today that I have to restart the modification application process. I first started this process with SLS on XXXX XXXX, 2016.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax 's credit report is constructed in a difficult to understand structure. I want my Equifax credit report to match both my XXXX credit report score of XXXX or XXXX credit report score of XXXX. ALL CREDIT REPORTS SHOULD BE THE SAME.
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2019 I purchased a XXXX on XXXX XXXX website Item ID # XXXX item description XXXX XXXX  XXXX XXXX XXXX XXXX mm Space Gray Case with Black Sport Band XXXX. I immediately cancelled the sale on XXXX XXXX website within 2 minutes of the purchase. The seller never cancelled on their end. About 6 hours later that day I received a text message from Paypal 's fraud department asking if I authorized a transaction for {$340.00}. I responded No. The seller on XXXX XXXX site never cancelled the sale and tried to place the purchase through. The seller was notified that the sale was charged back to them. The seller then immediately began to harass me and sent emails via XXXX, stating that I should have never of submitted for a chargeback and that they would refuse to communicate with me going forward. They then went ahead and mailed me a package. A package that I have till this day for evidence purposes. It contained a broken XXXX TV remote and a charging cube. I immediately opened an investigation with Paypal and explained what had happened they told me not to worry they will handle it. I also contacted XXXX to explain to them what had happened. They both went ahead and opened investigations. After a few weeks went by I was notified by both XXXX and Paypal that they were ruling in the sellers favor. I asked how in the world could they rule in the sellers favor when there was clear fraud and extortion that had been committed by this seller on their websites. I then proceeded to place negative feedback about this seller on XXXX XXXX website. Within a day or two they had removed my feedback as to avoid any traces of my discontent. I made them aware that there was another negative feedback left by another consumer regarding the same seller regarding the same exact item that was there days before mine was placed. They then within the next day removed that negative feedback. If this is not a coverup then I don't know what is. I ask is the Federal Government going to allow consumers to be defrauded? Myself and so many other are being defrauded by these major corporations and they are protecting sellers that feed them enormous amounts of business so they can also extort on the side? I beg that you open an immediate investigation into this matter and that my {$340.00} be refunded to me immediately.
Consumer complaint received 2023-02-07
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. (FL)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Certified letters were mailed XXXX, XX/XX/15 and again in XXXX no resolution and cant confirm who is verifying this false information is inaccurate.
Consumer complaint received 2021-03-30
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: Atlanticus Services Corporation (FL)

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX Fortiva XX/XX/XXXX and XX/XX/XXXX These were all soft inquiries that I did not authorize
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (IL)

I Checked my credit report with the 3 credit Bureaus and seen that XXXX  was reporting an inaccurate debt. On my credit report it reported a high balance of XXXX. XXXX XXXX/XXXX XXXX. I sent sent to XXXX  a letter to verify debt, XXXX  responded that the debt was verified and accurate. I requested validation of debt from XXXX XXXX. I received a bill with a balance of XXXX ( see attached ). I am aware that a bill does not constitute that i owe a debt. I then received a response from XXXX XXXX XXXX on XX/XX/20 stating that I owe a balance of XXXX. I have received 3 different balances all are reporting different and inaccurate. By federal law any items that report on my credit report must be accurate this in violation of my rights and must be deleted immediately. I have attached all correspondences from each company
Consumer complaint received 2022-04-05
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX  Account # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-03
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. (MD)

I acquired a car loan from XXXX in 2016. I requested and was informed that I'd be enrolled in XXXX automatic payment withdrawal program. A few months pass by and I was informed by XXXX that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to XXXX and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX Kohl 's reported my account 30 days delinquent for more fee 's than my principal balance. In the age of COVID I think this is cruel. I have had my Kohl 's credit account since XXXX and have never been 30 days delinquent. The alerts that I set up to alert me of an late payment or missed payment when I set up my account are somehow no longer set up. I didn't notice prior to this month that these alerts were no longer set up because I'm never late. To add injury to insult when I received my statement and noticed that I was past due, I immediately paid the balance in full. Kohl 's took two payments from my account and now I have a credit on my account. I only received one confirmation email for one payment and that was confirmation number XXXX and I also spoke with a customer service rep after I made my payment, she stated my account was in good standing and never mentioned anything about a double payment or credit on my account. I also reached out to Kohl 's on XX/XX/XXXX via written communication through the website and have yet to receive a response. 
I'm not really looking for a refund because I will possibly use my Kohl 's charge account in the future however, my credit is very important to me and I would like this negative trade line removed.