davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DC)

Hello. On XX/XX/2022 I purchased XXXX US Dollar Coin ( " USDC '' ) on Coinbase, funding the purchase from my XXXX XXXX checking account. The transaction went through ( reference number XXXX ) at XXXX the same day ( see screenshot # 1 ). I intended to use the USDC to fund my Coinbase debit card for a purchase coming up in a few days, but when I logged back in a few days later I noticed a second, unauthorized transaction in my USDC wallet history. Specifically, a transaction with the name " Spent USD Coin ( authorization ) Using Coinbase Card '' appears as having been completed at XXXX pm on XX/XX/2022 ( see screenshots # 2 and # 3 ). I did not initiate any transaction using my coinbase card on XX/XX/2022, and in fact this transaction does not appear at all in my coinbase card transaction history ( see screenshot # 4 ). The latest transaction in my coinbase card history took place on XX/XX/2022, and I can find no other record of this supposed " authorization '' transaction anywhere in my account. 

I have contacted Coinbase three times ( two by email and one by phone ), and after indicating they opened investigations, Coinbase has now told me twice that I contacted the wrong department, and the Coinbase funding team can not see coinbase card transactions, and the Coinbase card team can not see funding transactions. See Coinbase Case # 's XXXX, XXXX, and XXXX. In my latest email, I requested this matter be escalated to a supervisor who could view both sides of the account, as based on the unauthroized transaction 's name, it appears to involve the coinbase card ( even if there is no record of it in the card 's history ). 

To sum up, I am missing XXXX USDC ( worth {$2400.00} ), due to an apparently automatic transaction to authorize the coinbase card, that is not reflected in Coinbase 's record-keeping of the card 's transactions.
Consumer complaint received 2022-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian Credit Bureau for some reason continues to update an account that was included in a XXXX XXXX Bankruptcy on XX/XX/XXXX. The account is called XXXX ( XXXX  ) XXXX Throughout the years, my Experian report showed this lender having various " status dates '', and even every so often a new derogatory payment history indicator. All on an account included in the Bankruptcy & closed in XX/XX/XXXX. One year Experian would have a new XXXX date, then another date, and now a new date of XX/XX/XXXX for a status date and also again making a negative payment history remark for XX/XX/XXXX. Note : No other accounts that were included in the BK, have a status date past the Bankruptcy file date. Every other account included in the BK, says XX/XX/XXXX. Also no other Credit Reporting Agency has the new dates and continued derogatory payment history for this lender. Seriously, Experian has changed up this lender info yearly, even way after the BK, and whenever I submit court docs, it's like a monopoly of what Experian will change & report. I can attach XXXX XXXX Bankruptcy Schedule from XXXX. The newest entry from Experian now says " included in Bankruptcy in XX/XX/XXXX ''!!! Five years off from XX/XX/XXXX being the date of the account being included in BK.After talking with my BK attorney, we see contempt of the law, but are trying to get Experian to cooperate. Because this has gone on for years of continued wrong information, we request the report to be corrected or for the XXXX ( XXXX XXXX  XXXX to be removed totally. Thank you
Consumer complaint received 2023-03-30
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. (PA)

These accounts/purchases are fraud and need to be removed from my report immediately. I am a victim of identity theft. These accounts listed in the affidavit were not charged by me. I've also provided the FTC affidavit in regards to these accounts. Please remove them as soon as possible as it is causing me serious harm and inconvenience as a consumer.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint to the Transunion. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. Please remove it immediately.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (MO)

I had surgery at XXXX XXXX XXXX. Prior to surgery I met with the financial department and paid the entire amount that was listed as my responsibility. Now four years later I am receiving calls from HR Accounts. I have disputed that I owe this money and have requested that the hospital explain how I am responsible for an additional {$660.00}. I have call the hospital finance office several times and no one returns my call. I have called HR accounts several time and they keep saying they are sending our the verification or sent out the verification. I have not received proof that i owe this debt however this account is listed as a collection on my credit report causing blemish on my otherwise exceptional credit history. I would like this account to be removed from my credit report immediately.
Consumer complaint received 2022-08-08
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)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}
Consumer complaint received 2024-02-15
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting 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 express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Smith, Cohen & Rosenberg LLC (CO)

I'm being perused by a debt collection agency for the amount of {$11000.00} XXXX signed up for a service that failed to deliver the expected materials and I find their client to be in breach of contract. 

I payed the monthly amount in good faith until I felt like was not receiving with the organized promised to deliver. This totals {$3900.00} The service provided was not timely, of low quality, and disorganized. 

I disputed these charges with my bank and the bank ruled in my favor that the organization was in breach of contract. 

I've attached the communication from by bank awarding the dispute in my favor.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This collection agency gave information to a family member that is not on the account in question. Also after I advised to stop calling me they continued to call in a harassingly manner sometime 5-6 times a day.
Consumer complaint received 2022-08-08
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC (OH)

XXXX I called a number that has been calling me and hanging up. When I spoke to a representative he brought up an account I owed. I asked if he could submit something in writing because I dont recall. He stated by law they only have to send one statement out. I told him I didnt receive it and if he could resend it. He told me no and how we can resolve it. He said if I dont recall he can help me recall over the phone. He did provide me with the collection agencies name Global Trust Management and my account number XXXX. He was not trying to provide me with what I asked over the phone. Very rude tone.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I currently disputed a Repossession on my credit reports with the three major reporting credit agencies, they have failed to provide veriable proof of the debt. My information was inside of a data breach and my information was breached and account was opened in my name. Please further investigate this matter because I am in the process of purchasing a home and this information is damaging my credit history. In accordance to the FCRA, I have the right to receive accurate information and anything that is not accurate or validated is a violation of my consumer rights. Please resolve issue thank you so much.
Consumer complaint received 2024-02-15
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. (FL)

I would like to have for yall to remove my closed discover account from my account please this is a negative item reporting on my credit. Section 604 15 u.s code 1681 B.

Section 605 A 15 u.s code 1681 C-1 Section 605 B 15 u.s code 1681 C-2.

If this account is not removed action will be taken place because yall are not abiding by the law please and thank you
Consumer complaint received 2020-07-08
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. (AZ)

I disputed this account with all three of the credit bureaus. All but Experian refuse to investigate and fix the account. I have sent them 4 different request to verify the account and provide me with proof of the verification and to correct the 23 charge offs that are showing for one account. 
Since I started these disputes in XXXX not only is the school XXXX University reporting monthly that the account is a charge-off to make it appear I have a lot more than it actually is. There is now another collection company reporting on the same account ( showing on all 3 credit bureaus ) and stating it is also 120 days late with them and I have never received one letter from this company. To top it all off this account is paid.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Abra ()

Abra wallet company closed my account and steal my money!! They scam my money. I invest my retirement money there and they just steal it by closing my account. They did not only close my account and even my family account with money on it was closed by them as well. They are a fraud company!! Abra cryptocurrency is a big scammer!
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (GA)

I sent a billing error notice for an erroneous account that is being listed on my both my Experian and XXXX credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather Experian is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported XXXX and they said it was deleted from my account but has not been yet.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Red Bishop LLC (NY)

I had been contacted about student loan forgiveness. It has been going on for four years now. The company is Federal Student Help, and that is the only information that I know about them. I have received nothing in the mail about how much they have been taken off my debit card, however, my phone receives messages about money being taken out. The amount is {$180.00} per month, but I told them a little at a time during the month. Sometimes the money is taken out, sometimes it does not, it depends on how much money is on my debit card. I want to get out of this program, if it is in fact a program. I have no information about this company, not even a phone number or a address.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

We recently purchased our home, XXXX XXXX XXXX, XXXX, XXXX  using Rocket Mortgage. My husband and I were led to believe during several conversations via phone and email with broker XXXX XXXX that after closing and making XXXX payments we could take the proceeds from the home we were selling and apply them to the XXXX XXXX XXXX for a recast of payments. We made our second payment XX/XX/XXXX XXXX XXXX  weekend ) so contacted Rocket XX/XX/XXXX to recast the mortgage. We were told we would be contacted within XXXX hours to proceed. After XXXX days we co reacted them again and are now being told it will likely be XXXX before we will see a reduction in our payment despite being told to send them our money now. This will result in over {$3000.00} addition in interest payments to Rocket. None of this was indicated by XXXX XXXX prior to closing. He indictated this would be an easy quick process. Had we been told we would be paying minimally 5 months of the large mortgage rate despite having the assets to pay on the principal we would never have gone this route. They are profiting by misleading their customers.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I made an appointment at a bank of America branch after being paid for my vehicle to cash a check for {$8000.00}. The check was written on their bank, and I don't deal with a local bank at this time. They refused to cash it because I did not have an account with them and did not want to even see the ID I brought with me that included, drivers license, passport, and XXXXXXXX XXXX XXXX