davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX ( XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but CFNA did not provide updated information to three credit bureaus.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

The morning of the XXXX of XXXX, when I woke up I tried to access my CoinBase account to withdraw my money and found out that my account was " under review '' and all my money was locked. I can not withdraw, exchange or even add funds to my account. I sent a ticket to CoinBase support and they pointed me to fill out some personal details that were already filled out when I registered. I changed the tiniest details so they would match my ID as best as I could, thinking that might be the problem, but that did nothing to solve it. I uploaded my ID and my driver 's license 's pictures as a verification several times to no avail ; far from helping me solve the problem, now my account needs to be verified through this method ( uploading ID picture ), and it won't accept the pictures no matter how clear they are and how easily readable. 

I contacted CoinBase support again, pointing out that I had found this new problem and that I needed a solution to access my money, but they just told me to stop messaging them as " it would only slow down the process of reviewing my account ''. I have no idea why it was being reviewed as I have not made any strange money movements ; in fact, I didn't move any money or exchange currencies since several days before this issue, so the account was untouched.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (GA)

After repeated attempts direct express does not answer calls even when wait time is far from acceptable even into days with know success. I was directed to web site call just answer from direct express Website and was charged XXXX dollars just for going there direct express on XXXX XXXX sent me to set up account on line I was sent to just answer on XX/XX/XXXX I was able to connect to direct express by phone who informed me that they were familiar with this problem to remove my money from my card and close it I did this on XX/XX/XXXX. After that call they unsuccessfully transferred me to some one to start the dispute process and nothing happened no one came on the line for my details I receive emails XXXX XXXX from just answer and get charged XXXX dollars to call them back no one ever answered the phone and cant set up on line due to this place stealing money more money I dont want them I want direct express to give me back my money not in 90 days now
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, I just received my investigation results from TransUnion and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did TransUnion talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. XXXX more thing, i was reading the FCRA and noticed TransUnion violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2018-02-06
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. (KS)

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Consumer complaint received 2018-02-06
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. (KS)

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XX/XX/XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Consumer complaint received 2020-01-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact XXXX XXXX who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Mortgage loan application XX/XX/XXXX. I put an offer on a home and secured a rate of 4.125 %. My realtor asked my loan officer who I will list below whether I can get the loan due to Fannie Mae and XXXX XXXX requirements on condominium buildings only have 60 % investor. She stated it was ok and it wave financial contingencies. XX/XX/XXXX escrow was supposed to close. It could not because XXXX did not do her due diligence. I had already transferred $ XXXX into escrow. I lost my deposit due to XXXX 's negligence. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

We received and were approved for loss mitigation in XXXX after a long lengthy process. They tacked on exorbitant legal fees and other fees. We bagan making payments after never receiving any paperwork other than a letter that we were no longer in foreclosure. Payments were being made with no knowledge of where to send them. We sent to the address in the paperwork, when I called about this the CSR said that this was normal during loss mit and continue to make payments. We did and it was still being reported to the Credit Agencies that we were in default. On XX/XX/XXXX, I received XXXX statements with a due date of XXXX. When we called them they informed us that our payments were going toward attorney fees when that is not what the paperwork stated, they were added to the balance. We want to pay via ACH but they wont let us stating we are behind, then we were told we only owe XXXX. They sent me a statement which was so confusing I couldn't understand it. Now today I got a letter that we are in default which is not true. I want to refinance with another bank so I don't have to deal with them anymore. I have never dealt with such incompetence in my life
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MI)

I received a credit card unsolicited from ACE XXXX Account. I can't call to ask questions because that activates the card, which I believe incurs a {$3.00} fee. I need to know if my social security number has been used without my knowledge to request this card, or if it is just a scam. I don't know how to find out. Thanks.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (VA)

We received callous and incompetent treatment in trying to do a simple transfer of funds from our account at Citi to our account in a XXXX bank from XX/XX/XXXX to XXXX of this year. In multiple attempts, emails told us to call to validate the transfer. When we did, we got people speaking unintelligible XXXX who could not or would not validate our transfer. They told us that the transfer was pending in another division that would call us to validate it. Although we gave XXXX phone numbers, they never contacted us. They canceled all of our transfer requests over almost a week. 

Those who attended us on the phone not only spoke incomprehensible XXXX but sometimes cut us off after being unable to resolve our question, causing us to have to call again and endure another long wait. Having to ask the poor person attending the call to repeat every sentence XXXX or XXXX times was painful. 

This inept treatment caused us to delay the purchase of a new home as well as considerable stress and waste of time. Transferring funds from XXXX of our accounts to another should not be this difficult.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I am a USAA member. On XX/XX/22 I received a call from USAA ( or who I thought was USAA ) advising of fraud on my account. I was texted information to confirm with whom I was speaking to. The text said USAA and the process was identical to the actual fraud steps. When I had not received a new debit card as I was told, I called USAA XXXX and spoke with XXXX in the banking department. He confirmed USAA was sending me messages about address changes, log in 's being changed, security 2 step verification XXXX amongst other things. However, he could not assist me but advised he was sending a new card to my address. He then transferred me to XXXX in customer relations. She advised USAA had not contacted me since XXXXUSAA then restricted my account because of the fraud issue and would not give me any information. An Identity Theft report was sent to Fraud and I was advised to send my Drivers License to USAA.Com/verify.com so I could be authenticated if I needed access to my account. I was given a temp passcode and login information. XXXX advised once I sent in my license the team could authenticate me. That department was supposed to call me back in 24hrs. XXXX advised Fraud would contact me in 3-5 days. Who wants to wait while their account is compromised? These timeframes are horrible! In the meantime I continue to receive emails of changes occurring on my account including while speaking to XXXX also. Today since I had not heard from the Fraud department or verification I called back and was advised they could not help me because information they had is not the information I was giving. They could not authenticate me so I was encouraged to call back or send my license to verification. Due to the restriction on the account I had to speak to someone in fraud. I spoke with XXXX XXXX Finally someone heard the fact I could not authenticate MY information because it had been changed. No one else was listening when I explained ALL my information had been changed to the criminals information.There was no compassion to this ordeal. I have been a member with. USAA 16 years and I am highly disappointed with there service. I thank goodness for XXXX because she was compassionate, helpful, expressed empathy and sympathy. After finishing with XXXX she transferred me to XXXX in Online support to undue information entered by the criminals. With her help also, I was finally able to gain full access back into my account however, I still do not have a new bank card and it is not expected until Tuesday on expedited shipment. This process has been long and stressful and USAA was so aloof throughout and not willing to truly listen to the fact I could not be authenticated because all my information had been changed. This has been emotional and I am receiving text from my bills because my card was blocked. It did not seem like USAA was concerned at all.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (WA)

I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an HSA through connect your care powered by XXXX. I have paid many medical bills through this process over the past 5 years with no issues until this one. Also attached below is the proof of payment of the {$250.00} owed paid via my HSA account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution. 

Reponses received on XXXX : In your complaint, you listed that you paid XXXX XXXX XXXX, we do not collect for that entity. This bill is from XXXX XXXX XXXX, located in XXXX XXXX XXXX, California. The proof of payment you provided shows you paid XXXX XXXX XXXX XXXX XXXX, which is not XXXX XXXX XXXX. My client and myself have researched your claim of payment and they do not have a record of such a payment. Please forward a copy, front and back, of the check that you issued to see who cashed it. This will aide in locating the payment. Currently your account is on a hold status for the next 30 day. If we do not here from you within the next 30 days this account will resume normal collection activities. 

I did not receive care from XXXX XXXX XXXX. I will provide the attachments again mentioned above to show the exact same amount that was issued by XXXX XXXX XXXX ( the place I received care ), that was then promptly paid. I have still recieved no notice of debts owed or unpaid bill/debt from National Business Factor OR XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of Information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 USC 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 the Information is inaccurate.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Checked my balance the morning of XX/XX/2018. Showed an available balance of {$28000.00}. I walked into the branch located on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to conduct business and get a cashier 's check in the amount of {$14000.00}. The teller, with her supervisor named XXXX denied my transaction. Her grounds were that the money was processing into my account and she could not negotiate it. The money was available and i was actually able to withdraw {$13000.00} in cash from the teller- but they would not accept any more withdrawals from my account- even though the receipt i received from them showed a remaining AVAILABLE balance of {$15000.00}! I asked her for an additional {$1000.00} and the supervisor refused the transaction. I immediately walked over to the ATM inside the bank- withdrew the remaining {$1000.00} and asked to be served with a cashier 's check for the amount of {$14000.00} which i now held in cash in my hand. XXXX once again refused service on the grounds that she " knew what i was trying to do. '' The complaint is twofold : i was denied available cash from my account and i was denied a cashiers check with cash in my hand.
Consumer complaint received 2020-11-25
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. (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX