davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (CA)

I looked at my report on XX/XX/2024 and on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account with XXXX XXXX XXXX XXXX And one more thing according to 15 usc 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency in the person knowns or has reasonable cause to believe that the information is inaccurate. As you can see on the first credit report on XX/XX/2024 that I first noticed that they reported inaccurate information with XXXX, Transunion and XXXX and now noted and also attached XX/XX/2024 inaccurate information. 

Check the attachments.
Consumer complaint received 2023-04-05
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C. (UT)

Trident Asset Management is reporting an erroneous collection on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I was completely unaware about any debt on my credit so I called and paid this off immediately. I never received any notices, calls or letters about this debt and that violates my 30 day right to dispute. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-04-05
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. (VA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Consumer complaint received 2022-01-18
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. (NJ)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$7800.00}. Inquiries : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

To whom it may concern, According to the respond of Capital One on XXXX, Ive contacted XXXX XXXX XXXX XXXX and the answer they gave me is that they still waiting for my fund and dont know what happened with the transfer process. I asked Capital One on XXXX 2020 to send me the evidences about who gave the instruction of returning my money and based on what reasons that made such instruction, which I must use to start a lawsuit against the related party. But Capital One still ignores my request and didnt send me anything.
Consumer complaint received 2020-09-10
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. (SC)

I filed bankruptcy on XXXX. I had a credit card and a line of credit with this credit union they closed credit card account but left line of credit account open so it showed on my credit report late 30 days then 60 days which is late for XXXX and XXXX for the amount of $ XXXX contacted the credit union once I saw inaccurate information and was told that it was accurate but I pulled credit reports And tried to dispute account. Pull new credit report it stated that line of credit account was still open and reporting late payments for XXXX and XXXX which is inaccurate information based on l filed bankruptcy XXXX and that account should have been closed along with the credit card I had with them as well.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

I have been trying to log into my account with Coinbase XXXX for over a year. You can never get a hold of anybody when you call. The wait is over two hours. You cant send an email unless you login. Since I cant login, I cant send an email. She said I have to check with my Internet company and they said there is no problem. I get codes from several companies every week. The only trouble XXXX having is with Coinbase. They verify me and wont give me any information about my account. They say I have to login. I tell them I cant login. So theres no way for me to get money because they wont send it to me. After you login, they take you to step two verification code. It never sends out a code. You click resend and you never get a code. The lady admitted to me that a lot of customers have a problem with this, yet theyve done nothing to fix it. She said she gets a lot of angry calls. The problem is you cant login, they wont tell you anything about your account, you ask him to sell everything and just send the proceeds. They wont do that. They have you hostage, both you and your money. They should not be able to treat customers like this. I have no way of getting my money back except for your help.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (FL)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The credit reporting agencies were given 30 days to produce all verifiable documents of this account on XX/XX/2021 in accordance with the statue 609 FCRA. That was 107 days ago. 
And now they are wanting another 60 days?? 
I believe my rights are being violated in accordance to the 611 and 623 FCRA. 

At this point, without verifiable evidence, the am ex account must be removed from my report immediately! It is affecting my ability to get a mortgage.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA has a predatory policy of requiring accountholders to wait 24 hours after any transaction has posted to the checking account prior to closing the account. This policy generates fee income for the bank, harms consumers, and is not consistent with the policy of other large financial institutions. I can walk into any competitor 's banking center, bring the account to a {$0.00} balance, and close the account on demand. I have repeatedly contacted USAA to close my account since XX/XX/XXXX. I was told initially that the account could not be closed on XX/XX/XXXX because there is a 5 day required waiting period after any direct deposit posts to the account. Two NSF fees hit the account on XX/XX/XXXX and I transferred funds to bring the account to a XXXX  balance. Stop payments were supposed to have been placed so that any retry would be denied. I requested to close account on XX/XX/XXXX and again on XX/XX/XXXX, both days the account had a XXXX  balance. The representative again refused to close the account since " it has not been 24 hours since your deposit to bring the account to a XXXX  balance has been made. '' I have spent hours on the phone with USAA customer service and spoke to a supervisor, XXXX, on XX/XX/XXXX. I expressed concern with the policy that harms consumers and continues to generate fees for the bank, and XXXX stated " there is not even a button that allows me to close the account. '' I offered to drive from XXXX to XXXX XXXX to close the account in person. Again, I was told you can't close the account in person either. XXXX said he could see a returned item coming through the account and would wait until the next morning to refund the NSF fee and call me by XXXX XXXX on XX/XX/XXXX to confirm that he had completed the transaction. He did not follow through, and I called again to speak to a manager on XX/XX/XXXX. I was promised that a " supervisor '' would call me back. No one has called. USAA has failed to act in good faith, and hides behind the veil of the call center - not allowing customers to contact managers/bank officers with any meaningful authority. USAA even sent their own payments back through the account a second time for an insurance policy that had been paid in full ( valuable personal property ). Stop payments are not honored and more fees are assessed. This type of behavior led to a class action settlement in XXXX. I have been a customer for 12 years with no problems and have a credit score of XXXX.
Consumer complaint received 2021-02-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Texas Guaranteed (TX)

My trellis has place tax offsets to working class people who are affected by Covid 19 and the winter storms in Texas. As we tried to communicate with them they have the audacity to continue their collection efforts despite the current climate. They have bordered on illegal collection practices and refuse to correct wrong doing in their part.
Consumer complaint received 2020-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (MD)

Santander used deceptive auto financing tactics to engage sub prime consumers. On XXXX XXXX, Maryland attorney general XXXX announced a {$550.00} XXXX dollar settlement with Santander Auto financing. For consumers who defaulted on loans between XXXX XXXX and XXXX XXXX, the assumed loan was taken out on XXXX XXXX. Per this law suit any loans taken out by any consumers during this time period will be forgiven. This notice will be sent to the consumer protection division at XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

On XXXX/XXXX/2015 I requested and received a copy of both my XXXX XXXX Report and my XXXX report. I did not request a copy of my XXXX report until today, XXXX/XXXX/2015. When I made this request I received the message thay I had already received a free copy of my Experian Report. This was incorrect I have not received a copy of my free Experian credit report. Earlier this year my bank, XXXX XXXX, offered me, and I accepted access to my Experian Report thru a link on their website. I had to XXXX log in to my account online from which I clicked on the link provided ( XXXX, XXXX, Experian Credit Report ) and enter the passcode I was given, by the loan officer at my XXXX Bank here in XXXX, VA, to gain access to my XXXX XXXX XXXX 5 times over a period of 80 days. This was in no way connected to my right to receive my annual free copy of my Experian Credit report. 
Thank you for your time and attention paid in dealing this matter. I will look forward your response. Thank-you, XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (SC)

XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code XXXX XXXX a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Consumer complaint received 2015-03-25
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Loan was a home I purchased in XXXX XXXX NV. Lost home in foreclosure. This loan should have No Money Past Due or an outstanding balance and no lates. Bank of America got their security back in the foreclosure. Should show zero due. and no current past due payments. Only being reported by XXXX and XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (SC)

Jefferson Capital billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Consumer complaint received 2023-04-05
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. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Hello, I started using the Gemini app to start trading cryptocurrency. After depositing funds into the account and buying a few crypto coins, they will not let me sell or withdraw my money because my account needs to be " verified ''. I don't understand how they can hold my money hostage for over a month now without any communication. Please help with this matter. 

Thank you, XXXX
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

XX/XX/XXXX late payments have been on my credit report for 7 years. Capital One still have the late payment on my account. I have called and asked for the company to have the late payments removed. No resolution. 
The late payments was in XXXX, XXXX, XXXX of XXXX.
Consumer complaint received 2024-03-31
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX XXXX  XXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A, STATES : I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NC)

Citi Bank ( CBNA ), Hard credit query against my credit picked up by credit monitoring due to PPI breach. 

Identified on XXXX XXXX. I made multiple calls over 6 to Citi over 3 days before I got through to someone in the fraud department on the afternoon of XXXX XXXX. 

Card was being requested with my PPI. I did not request a card through Citi. 

Once I did get through to someone in Fraud things moved quickly and were in a conf call with XXXX to put freeze on my credit. Currently awaiting paperwork from Citi for affidavit as well as paperwork from XXXX
Consumer complaint received 2019-02-20
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: BB&T CORPORATION (FL)

At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Long ago I froze my credit with all XXXX bureaus. Last night I went online and did a temporary thaw at all XXXX bureaus. 12 hours later Transunion shows I have a " lift pending '' and my lender is unable to pull my report. This is unacceptable, my report should be available seconds after I provide my pin and pay for the lift. That is what happened with both XXXX and XXXX.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

Nothing reported after XX/XX/2020. I've made a purchase and payment. Accurate information should be maintained. Purchase was made as proof that you threatened to decrease my credit limit unless I bought something. I did. You can not deny extortion. Documents shown to law enforcement and credit reporting agencies.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/year> I ordered a used XXXX from XXXX for {$1300.00}. When I received the phone it was not in the condition that was described in the listing so I initiated a return and it was approved which then was told by their customer support that the return was lost in transit. XXXX then asked for my bank statements and a copy of my XXXX XXXX in order to process the refund which I provided it to them. Then when I never received anything I then contacted XXXX customer support to ask for the status to which I was then told that I will not be receiving a refund to which no reasoning was provided. So I gathered all of the screenshots of XXXX support saying that the return was lost in transit and them asking me for my I.D . and bank statements for a full refund to which Truist Banks XXXX XXXX XXXX Department did nothing to help me regarding this situation regardless all of the evidence that I provided them with. The claim number regarding this is XXXX.