davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

On XX/XX/XXXX at XXXX I spoke to XXXX XXXX with IQ international Data more than once. Amount is a little over {$10000.00} for XXXX XXXXXXXX apartments back from XXXX XXXX XXXX. I requested the debt to be validated and I wanted written notice and an explanation of the debt due to the large amount. XXXX XXXX refused stating they had sent written notice in which I told her I did not recall receiving anything. She then told me it is not her fault I " forgot '' and I needed to settle the debt in full. I continued to ask for the debt to be validated in which she still refused. I was told when I left XXXX  XXXX apartments the balance would change when someone leased the apartment but that never happened. The balance has only gone up and IQ international Data will not tell me why the balance is so high when it should Have been lowered once the apartment was no longer vacant. I called back multiple times when I could not even get a word In with XXXX XXXX and they kept transferring me to her. There are so many scams out there and I'm trying to settle a debt and make things right but she was extremely difficult and refused to send me written notice. I asked her if I paid it if I would get a receipt and she Also said no that I just needed to settle the debt and that was it. This place sounds like they are committing fraud. I have this balance on my credit and I'm afraid to pay anything because they do not sound legit and I do not have the funds to just throw money away. They are refusing to send written notice or even receipts.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, This is a complaint after I tried to reach Transunion and placed a fraud alert on my credit i found much activity on my credit from XX/XX/2019 to XX/XX/2019 and i didn't notify or applied for anything, see much Unautorized inquiry left on my credit
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2021-01-25
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. (MN)

For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to XXXX XXXX it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the XXXX XXXX  wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent Experion an original bill. But they refuse to change it. XXXX XXXX  stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that XXXX XXXX  has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem
Consumer complaint received 2021-01-29
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. (PA)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I received a letter in the mail today thanking me for choosing to use a Wells Fargo XXXX XXXX credit card. I have never had a credit card of any type with Wells Fargo and never will. It seems as if someone from Wells Fargo has opened a credit card account in my name and I do not appreciate it.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (GA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2019-08-10
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: MoneyLion Inc. (GA)

I applied for a credit builder loan from MoneyLion. On their website it states that no credit is required and this will not affect your credit however it resulted in a hard inquiry which lowered my score. I took a screen shot of their website as proof. I just want the inquiry removed.
Consumer complaint received 2019-08-10
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. (AZ)

I had a {$25.00} a month XXXX XXXX payment being deducted automatically from my Social Security XXXX. In XXXX of XXXX I got a letter from NYS XXXX XXXX   Processing stating that my child support was in arrears. I immediately contacted them via their website and stated that there must be an error as my child support was automatically deducted from my S.S. XXXX for a long time. I sent a copy of the Social Security Document to prove the deduction. XXXX XXXX then ordered Social Security to deduct {$37.00} from my account because of the arrears, which they did for a number of months. I was still getting threatening arrears notices and even a threat to have my Driver 's License suspended for non-payment of child support. I continued to make contact with the office in XXXX XXXX, NY, Ms. XXXX, to get the error corrected. This went on for months and finally in XXXX of XXXX XXXX XXXX Processing found out that they misplaced the funds. Eventually the {$87.00} overage that they took from me was sent back to me at my request. I had asked way back in XXXX to make sure my credit report was not affected by their errors and to correct everything. They never corrected the credit reporting. On XX/XX/XXXX I was reviewing my XXXX and Transunion credit reports and saw that the account was closed with a " Paid Collections '' status and had that it was in collections in XXXX of XXXX. I contacted Transunion and XXXX to get this corrected. Both companies stated that the reporting was accurate and did not take the " Collections " status off of the report from XXXX of XXXX. I contacted MsXXXX XXXX with XXXX County XXXX XXXX Enforcement via the same string of e-mails used to document the history to get this corrected and she still has not gotten back to me via phone nor email.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

I used my ETH wallet address on Coinbase account to receive XXXX tokens in XX/XX/XXXX.  However, at that time I was not notified that the Coinbase actually do not support XXXX tokens. I emailed the Coinbase support team on XX/XX/XXXX regarding this issue and they did not get back to me until XX/XX/XXXX. In the email they told me the tokens were not supported and they could do nothing to recover the tokens. 

There are at least two things Coinbase could improve in the future : First, as everyone understands, unlike other traditional financial assets, digital currencies such as bitcoins are of extremely high risk and digital currency transactions are irreversible, as such, Coinbase should have put up warning signs in a more obvious spot on their main page. Even though there is an article XXXX and XXXX on their website, you have to try very hard to find it. Also, there should have been a warning message prior to each transaction to make sure customers fully understand the potential risk and the proper procedures to follow. 

Secondly, I believe every customer of Coinbase should have full control of their digital assets. We pay for the service fees and as such we deserve to have full access to our digital assets. If unsupported tokens are accidentally sent to Coinbase wallet, Coinbase support team is obligated to at least try to recover the tokens for the customer instead of doing nothing at all. Imagine if your credit card was stolen and you lost your money, I believe the financial institute who issued the credit card ( e.g. XXXX XXXX, XXXX XXXX XXXX, XXXX, etc ) would try their best to find the money for their customers. So should Coinbase.

The total value of the tokens are {$4500.00} as of XX/XX/XXXX ( per XXXX.XXXX ) and the loss of the tokens is a huge loss to me. I am hereby requesting Coinbase to be fully responsible for losses caused by negligence.
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX  sold a debt that was not valid to Crown Asset.  XXXX XXXX sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g.

The debt is not valid. XXXX  knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.
Consumer complaint received 2019-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On Thursday XX/XX/XXXX, I started an interaction with a woman on XXXX named XXXX XXXX. My intentions were to purchase some concert tickets she was selling for a show that was the same night. I got proof of purchase and decided to use pay pal in case she was scamming me. Turns out she needed the money as soon as possible but the funds were unavailable to her immediately. It said they should be in her account by XX/XX/XXXX. We went back and forth after I had already sent her {$80.00} and she never sent me the tickets and proceeded to block me from XXXX. All of our messages are now partially unavailable because her account was deleted. I will include the messages I sent her but it will sound a little confusing because you cant see her responses. If she hasnt received these funds, I would REALLY appreciate a refund if thats at all possible. Thanks for your time.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NY)

I am continually getting calls from Discover to get me on a card. They're no good and I hang up on them and I block the number the calls are on but they call again from other numbers. I want the entire Discover Bank and Discover card company blocked from my number
Consumer complaint received 2017-12-18
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. (GA)

My name is XXXX XXXX. Transunion is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XX/XX/2015 and account number # XXXX. It does n't make any sense for this to be on my Transunion report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXXXXXX XXXX deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}. 

While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.
Consumer complaint received 2019-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I went to the TransUnion website to start a dispute with some discrepancies on my TransUnion credit report. For TransUnion, I had to make an act first, which seems odd for a personal dispute, logged into TransUnion to start, and then I wasn't able to press any edit buttons or any Dispute item buttons as TransUnion had stated. There are NO options of the such on the TransUnion website, they list a step by step on how to start a dispute and but it doesnt work - the steps just dont exist. I cant email TransUnion and each time I call them, they arent taking calls and the line hangs up. This very frustrating for this is messing my credit score and credit lines up. I dont know what to do. Please help amend this situation. This is a very dangerous game they are playing.
Consumer complaint received 2019-08-10
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavitis to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-07-09
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 was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXX, US DEPT OF EDXXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX
Consumer complaint received 2019-08-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reported as late. After 15 years with this company with no problems, they have returned my payments and reported me as late. I contacted the company last month and the representative took my money to make me current. This was although she did not understand the data. This month again XXXX returned my payments with no explanation. Evidently the left hand does not know what the right hand is doing. I will again contact them on the next business day to try to resolve the situation. 
I have received numerous reports with differing amounts. Also I have received coupons with different amounts than on the statements.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Include dates : XX/XX/2021 amounts, and actions that were taken by you or the company : XXXX, all my cards it's paid in full each month and on-time This is ridiculous, i've been with citi over 20 years and have XXXX fico scored, always paid on-time and pay-in-full, i have total around XXXX credit with 3 cards combine, suddenly today i received a 3 letters saying all my account has been closed and don't give reason, have to write letter to the PO box address. This is so XXXX XXXX, what's going on? Anyone know what's going on? This is bad and not fair to consumer who has done nothing wrong and good credit. Can someone give me an answer? All my reward points can not redeemed too once it's closed according to the XXXX  rude customer service.