davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Services, Inc. (TN)

Collection Management Services did not produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging XXXX to provide the agreement under penalty of perjury. XXXX sent a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). XXXX also said that another company " referred '' the alleged debt. I challenge XXXX to provide proof of this " referral '' under the penalty of perjury. This is referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ). Collection Management Services violated the same section in their response to my last CFPB complaint. Collection Management Services stated that the name of their business as XXXX XXXX Collection Management Services, but that is not the name that the company used in my letter nor is it the name used on my consumer report. This is misleading according to the Act and a violation of the 15 usc 1692e ( 14 ). I would like to bring to XXXX 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of XXXX 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I will sending my invoice along with my Affidavit of Truth to XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX stating all facts which includes each violation and the damages that you have caused me.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

For well over a month, I have been trying to get a resolution with funds accessibility issues relating to Coinbase and my account. 

Their app is unusable due to errors on their side with their system. This is causing great stress as I can not access my money or transfer funds to my bank from their exchange. 

XXXX, XXXX, XXXX, XXXX & XXXX are ticket numbers I have created with their support center. I have also signed up for their paid service to get support to no avail. 

They sell support services for their platform that results in no assistance. This in and of itself is stealing just as much as them not allowing me to access my funds. 

I have been a customer since XXXX  with them, This is the first time I have seen their services in this kind of condition. I am in the payments industry as a profession and can not believe they can operate a service and withhold people 's funds due to refusing to fix their system issues. 

The nature of their bugs makes the website inoperable and their mobile app is also not functional. This is gone on for far too long and it is causing personal stress because of not being able to access a significant amount of funds that is mine, not theirs. 

I can log in to the site, I can not see my balance it reports as $ XXXX. 

I can not see my transactions or portfolio activity as the graphs will not load. 

I can not send money to my bank, It says " You do not have any funds available to cash out right now. '' < -- This is incorrect. I do, their system is broken and I can not access MY MONEY. 
It also represents my balance as $ XXXX and does not show a numeric value. 

The mobile app continually says ... " XXXX XXXX '' despite logging in to it and working on XXXX out of XXXX pages in their app ( meaning I am logged in so there is no " XXXX XXXX '' really. It's related to the same $ XXXX dollar amounts that the website is showing, This is really getting serious as I need access to my funds. 
I work very hard to be able to invest and they are making this very stressful as I need access to my money now... & can't wait months for them to finally respond. 

Their ticketing system automatically closes tickets ( despite them not being really resolved ). 
This is very concerning and an intervention is needed with them to help me resolve this. 

The balance being held back ( my money ) is significant enough value to take legal action to get a resolution. They need to be responsive. 

CFPB please help, I know I am not the only person reporting such issues. 
It's a big issue and they are not addressing it. 

They have a very poor track record of taking care of customers. 
This is a bad sign for a Publically Traded company ... when many thousands of dollars are impacted on many users because of this complaint.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-02-01
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call Experian. I called Experian and they said they can not remove inquiries and to call XXXX XXXX. So there is nothing I can do except go online and tell everyone not to use XXXX XXXX and not to subscribe to Experian as there is an endless loop there with no help.
Consumer complaint received 2022-02-01
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)

Account name : XXXX XXXX XXXX  Account # : XXXX. Delete XXXX FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the Experian as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Consumer complaint received 2022-02-01
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. (LA)

I discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.
Consumer complaint received 2022-02-01
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. (LA)

I discovered XXXX fraudulent accounts on my credit profile, both collectively ranging close to {$2500.00} dollars and both accounts were reported as 'Charged off ' and I had no complete knowledge of them being created at all.
Consumer complaint received 2022-02-01
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. (PA)

Account name : XXXX XXXX, XXXX. Account # : XXXX. Delete XXXX FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. transunion and XXXX did not and are in current violation of my rights! Transunion and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. XXXX. ) Date of last active illegal {$1000.00} violation TransUnion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. XXXX. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (MI)

GM Financial is not letting me exercise my federally protected rights. I sent GM a Right to RESCIND letter that they received XX/XX/XXXX, XXXX XXXX signed for it. They have 20 days to respond and send my refund back pursuant to 15 USC 1635 ( b ) and 12 CFR 226.15. They have yet to respond. I called multiple times last week XXXX or XXXX and XXXX the rep told me to give a manager time to look over the document and call back XXXX instead I waited and called XXXX. And they keep sending me to different departments and telling me a supervisor will call me back but haven't called back. I called today XX/XX/22 spoke with XXXX id # XXXX and also XXXX id # XXXX they told me a lead notated the account saying he not dealing with legal matters when this is a letter from me the consumer stating I want to rescind my contract which I have those rights within 3 years because my contract from GM violates XXXX  with the no cooling off period and, I have a right to rescind and they failed to disclose that. Once they transferred me to the recovery department I asked for an supervisor again the guy who name I don't have put me on hold for about 10 mins came and said supervisors are not available. 
The CFPB also has a table of content with the consumers right to rescind stating that a consumer can exercise there rights to rescind as long as you notify the creditor and is in the 3 year period and I have done both. The letter states clearly I'm exercising my rights to rescind.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a XXXX d ) ( XXXX ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( XXXX ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

In the summer of XXXX our electric went up triple we had almost XXXX $ for one month, and started getting behind that year due to that, with shell point morgage. I was only one month behind in the winter, then husband went on layoff because he is in awn and landscaping. In XXXX we started a modification, i was rather reluctant because our payment was XXXX $ and XXXX fixed, I wanted to catch our couple month payments up with our tax refund, the relationship manager said we where going to go into foreclosure if I did do modification, we where really p ressured and scared into a modification. I am XXXX I believe he treated me unfairly and wanted me to lose my home. He sent papers we got them signed and notarized, because he rushed us, I didnt get the terms of modification when we signed. I made my on time payments then, morgage was sold to select home portfolio in XXXX of XXXX of XXXX, I received all my paperwork and said it was a 6.75 % with a XXXX $ payment and a 40 year mortgage note. I have not made payment since and have had so many hardships including covid layoffs, mental breakdowns, now we are in foreclosure with me type XXXX diabetic, daughters having intellectual XXXX, and my feet are XXXX badly.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I received a letter from Convergent Outsourcing for a debt owed to XXXX XXXX. It is for a debt according to them that is from XX/XX/2005. That is 17 years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally address the ongoing issue regarding late open account on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify this issue. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct this inaccuracy, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$2000.00}.