davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Coinbase XXXX # XXXX Coinbase / XXXX have suspended my account due to a return payment. 

I selected the wrong payment type and subsequently canceled the payment cause of insufficient bank funds. 

So Coinbase XXXX has locked up all my fiat and cryptocurrency. I 'm unable to log into XXXX, which is where all my funds are. I 'm unable to withdrawal funds, which I was planning to use for some of my bills. They have XXXX of my yearly salary locked up in their system, and I ca n't even see my balance. Very Scary to me! At this point I 'm scared they may have stolen the funds. 

My attached email is dated XXXX XXXX, but I 've been trying to get this resolved for 2 weeks now ( I 've had more than one case # ). The email says something about verifying identification, which I had already done when I opened the account. The rep I spoke to on the phone said I should wait to hear back before resubmitting my ID. CoinbaseXXXX ID verification system is broken also, making this task seemingly impossible.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

A delinquency notice ( attachment A ) was recieved on XX/XX/2019 indicating the payment due on XX/XX/2019 remained unpayed to J.G. Wentworth Home Lending. This loan was transfered to XXXX XXXX XXXX XXXX on XX/XX/2019 ( see attachment B ) with an effective date of XX/XX/2019 ( see attachment C ). A letter from J.G. Wentworth notifying us ( XXXX XXXX XXXX & XXXX XXXX XXXX ) of the transfer was never recieved, but during a call made to J.G. Wentworth 's Customer Support Center on XX/XX/2019 at approximately XXXX EST the customer service representative confirmed that XXXX XXXX XXXX XXXX appears as the loan servicer. 

In addition, there has been a failure to provide accurate information during the transfer of the loan. The outstanding principal ammount reported to XXXX XXXX XXXX XXXX was {$280000.00} ( attachment D ). This ammount is incorrect. Before transferring the loan the outstanding balance at J.G. Wentworth Home Lending was {$280000.00} ( attachment E ). The missing ammount is the additional principal payment of {$540.00} made on XX/XX/2019 which was not reported to XXXX XXXX XXXX XXXX and therefore not reflected in their outstanding principal balance.
Consumer complaint received 2023-02-22
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX 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 2019-12-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NJ)

Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the XXXX XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Late payments for loans over XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (SC)

Beginning of XX/XX/2019, Radius Global Solution being calling my cellphone with effort to collect on a debt that i don't owe. They never sent me an correspondent to let me know they were collecting money, nor did they allow me to properly validate this alleged debt prior to the calls to me phone. Since then, I have sent a pending litigation letter to them in effort to settle this matter prior to moving forward seeking remedy in courts.
Consumer complaint received 2023-05-24
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Source Receivables Management LLC (TX)

This letter is regarding this account XXXX Cfpb case number XXXX I demand your company to delete this account immediately I am not going to wait another 30 days for you to delete this account. You had more than enough time more than 30 days to send me the information I requested for. My first letter was sent to you in XXXX XXXX as of today is XXXX XXXX. By law is required 30 days and not more. Your 30 days is up, delete now. You have 3 days, if you dont delete it, I will file a claim for violation. If I loose my auto loan due to your negligent you will pay 15USC15 Suits by persons injured threefold the damages..
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

I filed a complaint via CFPB against American Express of wrongdoing.

American Express sent me correspondence stating a credit was issued but it never was. I tried the rectify the issue multiple times with their customer service representatives to no avail. I reached out to CFPB which triggered an internal AMEX investigation. Whereby, I suspect, it was discovered that my assertions were accurate. As the credit has been correctly issued since then. Kindly refer to the correspondence sent to me by American Express.

Which brings me to today. AMEX limited 2 of my several cards with them. I suspect a repercussion of challenging their billing and credit mishaps.

I am attaching correspondence of their wrongdoing. And correspondence received ( 2 accounts in 24 hours ) limiting 2 of my cards.
Consumer complaint received 2019-12-11
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. (FL)

In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that XXXX, Equifax and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both XXXX and Equifax stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.
Consumer complaint received 2019-12-11
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: CITIBANK, N.A. (IL)

Citibank credit card I have reported that my credit card is not on file with all three credit bureaus esp. Transunion credit bureau. There was no dispute of any kind with Citibank. Two decades of open credit history is completely vanish from my credit report with Transunion, Experian and XXXX. I open my credit card back in XX/XX/XXXX. I contact Citibank credit card to report the problem and was not successful with speaking to the department who deals with this sort of issue. I was told by Citibank credit card representative that the department who handles these sort of things does not have a number where I can contact them and speak to someone over the phone they only had a fax number. I fax that department on XXXX, XXXX and XXXX of XXXX. I have reported enough information and made a full statement to Citibank three times this year. I mail a letter to them with my private information credit card number, last 4 digit of my SSN, full address and telephone number and email. I have yet to get a response from Citibank concerning this very important issue and here we are in the month of XXXX. No Word From Them What I will like for consumer financial protection bureau to do is run a compete investigation on Citibank credit card to see why my credit card is not on file with all credit bureaus. This matter have taken me by storm because my credit score has drop below 600 because my credit report shows I have NO CREDIT. Right now it shows I have no credit at all which put me at bad credit because 20 years of credit history with Citibank has vanish from my credit report. My main concern is for Citibank to REPORT my credit card to XXXX, XXXX and XXXX each month and show proof that each credit bureau show my credit card with Citibank.
Consumer complaint received 2023-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BHA Services (AZ)

I had a vehicle repossessed in XXXX, it was included in a XXXX XXXX XXXX XXXXXXXX which was finalized in XXXX. I have asked, and then told them to quit calling me and now they are calling my ex wife and other family members. BHA collections agency, what a bunch of XXXX XXXX XXXX XXXX. They bought this debt from someone not knowing it was included in a BK but they won't leave us alone.
Consumer complaint received 2019-12-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (IL)

On or about Sunday XX/XX/XXXX, I went on-line to my BMO Harris bank to review the status of a CD, Money Market and two checking accounts. One is a business checking account in the amount of {$19000.00} and one is a Smart checking account in the amount of {$5000.00}. However, the Certificate of Deposit, {$1000.00} and Money Market, over {$8000.00}. Over a 6 year period I have been seriously sick and was not able to keep a close eye on my funds. My relationship with Mrs. XXXX XXXX began in XX/XX/XXXX. Mrs. XXXX has hidden these accounts from mean line from time to time because I would question her about it. These Accounts were not available for viewing on XX/XX/XXXX. 

I called the customer assistance number and I was told that the CD account was closed on XX/XX/XXXX with no additional information available. I was told to contact BMO on Monday XX/XX/XXXX during regular business hours. 

I called and spoke to XXXX XXXX, Personal Banker at the XXXX XXXX location in XXXX, IL. Mrs. XXXX told me that the CD was closed and the funds had been sent to the State of Illinois, Treasurers 0ffice of unclaimed property because BMO couldn't contact me via mail. My address has always been up-to-date because I receive mailings from XXXX XXXX, financial advisor on a monthly basis. I asked to speak to the Manager. Mrs XXXX XXXX, Manager at BMO 's XXXX branch, who was my first Personal Banker at BMO and is the person who recommended and opened the XXXX and Money Market accounts for me. Mrs. XXXX told me the same that I needed to contact the Treasurer 's unclaimed property division. 

On or around XXXX the same day I went to the XXXX branch in XXXX and met with Mrs. XXXX and Mrs. XXXX who have been my personal bankers for the past 6 years. I told them that I have 7 accounts with BMO, 3 investment accounts with XXXX XXXX, two checking accounts, one CD and one Money Market account. I was unable to view the CD or Money Market accounts. I told them they had no right to close these accounts without my written permission. Mrs. XXXX acknowledge the CD but completed denied any knowledge of the Money Market. I told them that I plan to file complaints and contact an attorney. Prior to leaving the bank, I withdrew {$17000.00} from the business checking account and {$4800.00}. 

On Tuesday XX/XX/XXXX, I received a telephone call from Mrs. XXXX stating that the CD account has been re-opened and asked me not to contact the State Treasurer because they will contact them on my behalf. Mrs. XXXX said she will keep me updated on their process on recovering the money. 

On today, XX/XX/XXXX, I called and left a voice message with Mrs. XXXX making her aware that I found documentation of the Money Market account and that something fishy is going on and that Iam in the process of researching my legal options are because I have never received any updates on the CD or Money Market accounts in 6 years.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

My complaint is against my mortgage servicer - Fifth Third Bank I pay my own insurance and taxes and do not use the mortgage company to escrow. XX/XX/XXXX I switched home insurance companies from XXXX to XXXX. I few months later I received a notice stating the mortgage company would place force placed home insurance on my home unless I provided proof of insurance by uploading a copy of my statement to the website they provided. About 45 days later I received another notice claiming they would be placing insurance unless I could provide proof the period of XXXX. I was still with XXXX ( the company I had been with for 3+ years ), but loaded proof of insurance from the carrier to their site. In XX/XX/XXXX, I received another letter stating they need proof. This time I called ( XX/XX/XXXX @ XXXX and spoke with XXXX ) and advised that I have provided this multiple times and they needed to correct my issue. I was assured by the representative that all I needed to do was provide my insurance carriers name and number and he would call the agent directly to have all this cleared up. I said I would not be happy if I received another one of these letters or worse yet, they force placed insurance when my home has been covered with no lapse in coverage this entire time. He advised me he would have it all taken care of and to not worry. I asked if i could wait on hold while he called, he said no. I asked if I could get a call back when it was taken care of and he said no, but don't worry, he would take care of it. Today I received a bill from Fifth Third Bank for the cost of them to provide insurance for the dates of XXXX. I immediately called them to speak with someone. I waited on hold for 25 minutes and the call was disconnected. When I called back, the recording said they were closed for the day and to please call back during normal business hours.
Consumer complaint received 2019-07-16
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. (CA)

Recently, I Review my Credit files on Transunion and XXXX, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the Collection Services, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (TX)

In accordance with XXXX XXXX XXXX, everything has to be 100 % accurate on my credit report. 

Re : Accounts XXXX XXXX Account # XXXX has violated my rights. 

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date of last active is inaccurate, the high credits are reporting differently and the date last reported is also inaccurate. 

This is grounds for removal and they have violated my rights under 15 U.S.C. 1681 section 602 A states I have the right to privacy.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Robert J. Colclough, III (CA)

I received a Writ of Execution ( Money Judgment ) on XX/XX/XXXX in the amount of {$3000.00} from Plaintiff : Robert J. Colclough, III attorney for XXXX XXXX. The original case was filed on XX/XX/XXXX in XXXX XXXX Superior Court. I was unaware that I was being sued in the first place so it was quite a shock to learn that my bank account had already been levied for the amount stated above. 
The Statute of Limitations for credit card/written debt in California is 4 years - which begins after the first delinquent payment. The credit card debt was from a XXXX XXXX XXXX XXXX, upon which the last payment made was XX/XX/XXXX XXXX XXXX of XXXX ). The Statute of Limitations for this debt expired in XXXX, and the lawsuit was filed in XXXX, rendering the debt time-barred. 
Suing an individual for time-barred debt is prohibited.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act, Experian, XXXX has violated my Federally protected consumer rights to privacy and confidentiality pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated XXXX XXXX XXXX XXXX. Obligations with respect to disclosures of personal information XXXX XXXX XXXX Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Experian, XXXX supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer XXXX have given you written, un-written, verbal, and non-verbal per XXXX XXXX XXXXXXXX XXXX XXXX  ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of XXXX XXXX XXXX Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Experian had possession of my information.