davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 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 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

I have got debt collection account for {$360.00} dated XX/XX/20 from I C Systems inc, the original company was XXXX XXXX on my credit report. I always pay my phone bills on time and also have contacted with XXXX XXXX and they told me that I do not owe anything. 
I never received anything about this by mail or any other way. I dont have any knowledge of any debt.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX account for XXXX on XX/XX/XXXX, ( discovered XX/XX/XXXX ) was opened using my name/SSN, along with other accounts opened with XXXX and XXXX 's XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account were found to be fraudulent and were removed from my account. This reporting is severely messing up my credit. XXXX and XXXX & XXXX responded promptly, removed those accounts from my report, and indicated over the phone that nothing further would need to be done. Today, XX/XX/XXXX, I have discovered a collection under my credit report from Jefferson Captial SYST for {$2300.00} from XXXX. I am confused why this collection has appeared now since XXXX told me that it was taken care of.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXXXXXX Data Breach and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NH)

I have an account with Coinbase Inc a crypto currency exchange company. I sold my crypto currency coins and converted to USD cash, the amount of the transaction came out to {$19000.00}. This money, my money, has been sitting in my account since XXXX I have asked Coinbase to transfer the total amount back into my checking account they have yet to do so despite my repeated requests to do do. Attached are several email responses from Coinbase to my requests to transfer my money ; Case # XXXX XXXX Hello XXXX, Thanks for contacting Coinbase Support. 

We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. 

You can sell any cryptocurrency you currently have on Coinbase, and once the funds are available, you XXXX withdraw them to your linked bank account. 

We're not able to provide you with any additional information at this time. 

Regards, Coinbase Support XXXX Hi XXXX, We've transferred your case to a specialist who will be able to further help with this issue. 

We currently have a high number of requests, but our team is working hard to quickly get to yours. We will contact you as soon as your case is reviewed. 

In the meantime, if you have any other questions, replying back to this email is the best way to get an update submitting another inquiry for this issue will cause further delays. 

Thanks in advance for your patience. 

Regards, Coinbase Support ref : XXXX : ref Previous to all of this I opened a case number with CFPB ( XXXX ) because Coinbase in early XXXX locked me completely out of my account for over 2 months. I could not log in, I could not talk to anyone there, I received no responses to my email request to allow me access to my account. They finally unlocked my account but told me I could no longer buy or sell crypto currency. At that point I sold my coins and now I'm being prevented from access to my cash. PLEASE PLEASE PLEASE help me this company is causing me to lose sleep and I'm getting ill over all of this.
Consumer complaint received 2022-03-24
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. (MI)

Fraudulent credit account opened under my social security number. And the credit line was maxed out. Opened on XX/XX/XXXX and was only just notified that it was on my credit report today. XX/XX/XXXX.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have tried 3 times now to get on an assistance plan with Bank of America for by credit card ending in XXXX and it's like trying to get blood from a stone. I have tried on the phone and thru online chat, and I either get the runaround or they just disappear on the chat after awhile ... this is ridiculous, I'm trying to make good amidst a pandemic and they are uncooperative.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I received a text from TD bank on XX/XX/2021 that they had suspicious activity on my savings account. I talked to them immediately and told them that I didnt make these withdrawals. XXXX was taken out 8 times plus 3 inquiry fees for 9.00and 8 ( XXXX ) fees for atm fees totaling {$1600.00}. I told them I thought I knew who fraudulently withdrew this money as I found out this man has a long criminal record for stealing, burglary and grand theft. I filed a fraud complaint on XXXX and also a police report the same day. 2 days later I was told it wasnt fraud. I filed another fraudulent claim to dispute this on XXXX. Once again they denied it and said it wasnt fraud they said cause they said I compromised my PIN number. I never gave this man any personal information about me. He is a convicted felon and probably somehow seen my pin. I dont know how he figured it out! So I contacted the XXXX on XXXX. They sent me a response on XXXX that Td bank still says it wasnt fraud! The XXXX county sheriffs office supeoned Td bank for the atm location so they could review the film to see who withdrew the money. On XXXX the sheriffs office contacted me to say that they would have to close the case because Td bank didnt know what atm the money was withdrawn from. XXXX said that if I couldnt get that film to show who withdrew the money on the XXXX th of XXXX, I wouldnt be reimbursed the money that was taken out of my account! I dont know what else to do. I am so very very upset and I dont think its fair that I have to go through all of this. I am the victim and I thought I did everything right to get my money back.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (MD)

To Whom It May Concern, Attached is a letter I received back in XXXX of 2023 from Dovenmuehle as it relates to unclaimed property for Loan # XXXX ( property address XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I followed the instructions in the letter but the unclaimed property check for {$1000.00} was mailed to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
I never received these funds. I reached out before XXXX XXXX 2023 to get a new check issued to my new address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I was told this was corrected and a new check would be sent out. 
I still never received a check from Dovenmuehle. I called multiple times with no one able to tell me the status of my unclaimed property. 
Eventually I spoke with someone from Dovenmuehle who said the unclaimed property was sent to the State Of Maryland ( fantastic ).

I then contacted the Unclaimed Property Division in Maryland and I sent them the attached letter.

The Unclaimed Property Division in Maryland is stating they have NO record of any funds related to this account or my name in their system.

If the State has not cashed the check can it be cancelled and a new check sent out to me with my new address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX )? 

If that can not happen, please coordinate with the State of Maryland directly and confirm with them that they have my unclaimed property and that it is under my name and that I can claim it. 

Again, this process has taken almost a year and the State is saying they have nothing under my name and this property/ account as it relates to unclaimed property.

Call me or email me if you have any other additional questions. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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. (GA)

In accordance with the fair credit Reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 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 reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (OH)

My LexisNexis credit report shows XXXX auto policy lapses, XXXX reported by XXXX XXXX ( POL  : XXXX, started XX/XX/XXXX, cancelled XX/XX/XXXX ) and other by XXXX XXXX XXXX XXXX  ( POL  : XXXX, cancelled XX/XX/XXXX ). However I had insurance from XXXX XXXX and this is not reflected in my credit record. Policy # XXXX : XXXX Policy # XXXX : XXXX Kindly update my credit report to reflect the continuity of policy, including the omitted policies. 

On XX/XX/XXXX, I provided driver 's license and utility to verify identity. 
On XX/XX/XXXX, I provided the official declarations page from XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up email to LexisNexis ( XXXX ) to enquire about the case status. 

I have not heard back anything. Moreover, the incorrect information has not been corrected. 
Kindly look into the matter. Thanks.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from XXXX XXXX. According to Pub L. 85-866 Section 8.Section 166 ( d ) ( 2 ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. 

Thank you. 
Regards All rights Reserved XXXX : XXXX XXXX . Without Prejudice
Consumer complaint received 2021-03-19
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. (IL)

Around XX/XX/2021, I mailed off an identity theft report to TransUnion. TransUnion never updated me on fraudulent accounts being removed off my credit file. It has been over 30 days, and the company has not responded to my report. By law, the items in dispute need to be removed from my personal credit file immediately.
Consumer complaint received 2021-03-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Shellpoint mortgage was the 3rd services assigned to my note. The debt was apparently bought by six different Bank or mortgage companies just since XXXX, I've lived in my home for 20 years now. 

Advertisements Any way in XXXX my loan serviced by XXXX assigned by both XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and XXXX however never filed a record of deed in my district courts of XXXX County in XXXX Record of deeds office. During that. Statement had recv a loan modification which extended my payment years bringing my 25 year note to a 32 yr note which within the first five years flattened out at a ride in interest fee to a whopping XXXX per cent and apparently added over XXXX to the balance of my debt. 

Not one company this note was service by was ever opened with a positive escrow like it should of but shellpoint leveled the playing field dirtier than any of them in the past..they sent me directly to foreclosure stating they had full control over account as of XX/XX/XXXX and sent me a notice to accelerate foreclosure proceeding as of XX/XX/XXXX EVEN THOUGH I HAD SENT THEM AND THE CS OF PRIOR SERVICER HAD SENT THEM OK ACCOUNT IN GOOD STANDING AND CURRENT DUE TO A MODIFICATION THEY JUST FINALIZED IN XX/XX/XXXX DIRECTLY THEN FLIPPING MY MORTGAGE TO US BANK ON XXXX XXXX XX/XX/XXXX. 

WELL THEY HAD FINALLY GOT A JUDGE TO SIGN THE MOTION TO DISCLOSE AFTER A BOTCHED BANKRUPTCY WAS DISMISSED NOT ONCE BUT TWICE.YET MY ATTY THE JUDGE AND THEMSELVES WERE PERFECTLY AWARE THAT THEY WERE CONTACTING ME THROUGHOUT THE BANKRUPTCY YET NO ONE ACKNOWLEDGED THAT AS ILLEGAL NOT EVEN MY BOGUS ATTY XXXX XXXX XXXX AND HER INCOMPETENT XXXX PARALEGAL STAFF. 

*******WHAT DID I DO.. I TURNED TO XXXX CONSUMER AND BLASTED SHELLPOINT FOR THE *** ID NOT ONLY GONE THROUGH SPECIFICALLY WITH THEM OVER TWO YEARS, HOWEVER THE WHOLE 18 YEAR PERIOD ID CONSTANTLY BEEN THREATENED OR HAD MONEY TAKEN TO PAY MONTHS ID ALREADY SUBMITTED PAYMENTS FOR. XXXX WELL IN XXXX GOTTEN EN ANIMAL FROM A AMAZING WOMEN/Paralegal to XXXX XXXX who is CURRENTLY GATHERING EVIDENCE AND HAS WRITTEN THE INITIAL FILING TO A CLASS ACTION LAWSUIT AGAINST CHECKPOINT LOAN SERVERS PLEASE GO ONTO THEWebsiteE AND FILL OUT YOUR ONLINE SUBmission http : /Gucovschi-law.com/mortgages
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

The FREEDOM Mortgage company called me and offered me a refinance. They asked me for a schedule of property owned. I returned that document to them in 2 days. When the agent CALLED ME BACK he asked for more information and then told me the offer was for Monday XX/XX/21 ONLY and that on XX/XX/21 when I returned the documents to them they could NOT honor the offer. The Rate was above the market but had no fees. HE did NOT tell me on Monday it was for that day only. HE advised me on Wednesday he didn't know that was going to happen, but I specifically asked them NOT to run my credit unless the offer was solid. Now they misrepresented the offer, ran my credit which hurts my credit score AND they " bait and switched '' me on the refinance offer. I want the offer honored OR I want the inquiry on my credit report removed!!! See attached- NO reference to " today only ''
Consumer complaint received 2018-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (TX)

I recently complained to cfpb that XXXX XXXX was hindering people from wiring me money thru XXXX 's XXXX XXXX XXXX program. XXXX XXXX has responded by informing me that they handle XXXX XXXX XXXX, but not XXXX XXXX XXXX. They confirmed that XXXX XXXX XXXX was handled thru Ria. I thought Ria was part of XXXX XXXX. My mistake. I have spoken to Ria ( XXXX brochure said to call them ) in the past concerning them first accepting people 's cash & providing a confirmation # for funds to be sent to me, but then twice denying me those funds after I provide a copy of my Driver 's License & a copy of the confirmation receipt including the #. This means that the sender must make another trip to XXXX to get their funds back. On both occasions the funds were given back to them. Ria 's response ( I escalated call to supervisor then asked for that employee 's supervisor, but was never called back by this 2nd line supervisor ) was always to have the sender contact them. I'm told their response to the sender was that there was " fraud in the area ''. This seems like a peculiar response since I should be able to pick up those funds in every XXXX in Texas or maybe the nation. What area are they claiming fraud? Ria was asked & they always denied that they had a block on my name, but on two straight occasions within a week apart I was denied after having used XXXX XXXX XXXX successfully on many occasions over the past few years. I feel that Ria is somehow targeting me as a fraudulent receiver & I'm committed to providing anything reasonable to prove to them that I'm not involved in fraudulent activity. I don't know yet whether their actions have slandered my name.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

In XX/XX/2019 I deposited my short term XXXX check that Anthem had sent me check # XXXX ( XXXX XXXX XXXX ) from XXXX XXXX XXXX ( XXXX ) for the Amount of {$7800.00}. The account was created the day I deposited the check through Suntrust Bank in XXXX Va. The bank teller took all my info and made a copy of my Military ID and my SSN card. Opened a Savings and Checking account. The clerk printed my paperwork out gave me a packet with starter checks and deposit forms and my banking info. The next day I called and made sure my check had deposited and teller had told me yes the funds were available. So not having a ATM card at that time I went to Suntrust where I opened account and went in to withdraw some money and there they told me the clerk that opened my account did not get the proper ID information and therefore they had froze and will close the account for further investigation. I had informed the Manager that that was not my fault and I needed to either get the check back or I needed Suntrust to contact the check holder ( XXXX XXXX XXXX ) to reclaim check so I could get the check reissued back to me. Suntrust has given me the run around for a year and four months now. I had requested several times for Suntrust to notify XXXX XXXX XXXX they had this check on hold and they needed to reclaim it, but they said I had to get with the check holder and notify them of that the check was on hold. I have and the check holder said they tried to call and couldn't get any info on this. I need some assistance on getting the money that is owed to me back.