davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

Since my crytocurrency accounts for XXXX, XXXX, and Coinbase were all hacked in XX/XX/2021. My currencies were stolen and redirected to an unknown hacker. More than $ 100,000+ could have been profited if the theft did not occur. I've made a police theft report and provided the reference number to all three crytocurrency platforms. I've been trying since XX/XX/2021 to regain access to my three accounts. I've sent all required documents/information that these companies headquarters that were requested, and now all accounts are locked. I've sent a copy of my XXXX, DL, and made a LIVE VIDEO with me holding my ID as instructed by these companies in verifying my identity. On XX/XX/2021, I made a faithful attempt to recover/regain access to my account, in which I drove over 32 hours to XXXX XXXX, CA with hopes of speaking with someone directly. Although, XXXX address look-up locations provide you with a address & phone number of each company headquarters, but unfortunately, all three companies headquarters are only empty buildings and mailbox locations. I took several pictures as proof for my records of the locations for XXXX, Coinbase & XXXX  that I visited during my trip. As of today, I've been unsuccessful on gaining and reclaiming my accounts. It is important that I claim my funds, so that I can secure the things that I had originally plan. I would appreciate your assistance in this matter as soon as possible.
Consumer complaint received 2021-05-29
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 2018-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS. 
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau of the South, Inc. (CA)

Repeated calls and voice messages claiming that I have a debt with the company. I am certain that it is not mine as the name provided to me was my maiden name which I have not used for over 6 years since I have been married. I don't have any outstanding debt and any old debts from XXXX  and older were discharged in bankruptcy court as of XXXX.
Consumer complaint received 2021-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Total Auto Finance (VA)

I purchased my vehicle, with a pre-approved loan from XXXX XXXX XXXX, from Total Auto Finance in XXXX, Virginia. I tried to set up my account so I could make my payment online, it kept kicking me out. I called Total Auto Finance to discuss the issue, and they informed me that my account was with XXXX and that is who I should be making my payments to. So, I got in touch with XXXX, made my first payment on XX/XX/21, for {$340.00}, it wasn't due till XX/XX/21. I received a phone call from Total Auto Finance on XX/XX/21, stating my payment was late. I explained to them what they had told me originally, sent them the confirmation email I received from XXXX, everything was fine. So I thought. My next payment, I paid to XXXX on XX/XX/21, for the amount of {$340.00}, the day it was due. On XX/XX/21, I received a phone call from Total Auto Finance stating they were going to repossess my vehicle if I didn't make a payment to them. Again, I explained to them what they had originally told me in the beginning. I sent them the confirmation email I received from XXXX. I spoke with someone from XXXX that evening, and they said that Total Auto Finance had purchased the account from them, and any correspondence going forward regarding my account had to be made to them, Total Auto Finance. I had been trying to contact Total Auto Finance through email, phone calls, and text messages, trying to find out what my new account number was, so I could set everything up and make my payment online. They finally called me back yesterday, to tell me to just call them and they could do everything over the phone. I really don't want to do it over the phone, because, at this point, I really have zero trust in this company in their abilities. 
Today, XX/XX/21, I received a threatening email stating that my insurance on the vehicle had expired, and that was cause for the vehicle to be repossessed. I contacted XXXX XXXX to verify my insurance was still active, and they assured me it was. I just made a payment on XX/XX/21 in the amount of {$180.00}. I sent Total Auto Finance the confirmation email from XXXX XXXX regarding this payment. 
Total Auto Finance seems to have a real strong desire to repossess my vehicle. I feel the harassment I am receiving is completely unwarranted and unnecessary. Total Auto Finance seems to be a very unprofessional organization. The only emails I receive are threatening to take my vehicle. 
There is no telling how many other customers they have repossessed vehicles from due to their incompetence. If I mess up on my end, that is one thing, but I will not be treated this way due to the ineptness of their records keeping.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (NY)

I received a letter from CBE Group in an attempt to collect an alleged debt without my authorized consent dated XXXX ( Breach of US Code 1692 ( a ) ). I also received a number of phone calls in efforts to collect an alleged debt on. the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021 without my prior consent ( Breach of of US Code 1692 a,, b, c, d, e, and f. 
I have since communicated with said company verbally via telephone and written via US registered MAIL # XXXX XXXX XXXX XXXX XXXX sent XX/XX/2021 about their Unfair Practices.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I supposed to buy a ticket from spirit for my mom in XXXX, I look for the ticket to tell my mom how much shes gon na pay i was trying to put it on hold but they didnt have this option because i used to buy ticket on my visas i guess they charged the card without my authorization i didnt know that and i pay another ticket for her with a different card for the same day when i realized that i called XXXX  to get a refund from 1 of the ticket they didnt give me the money back, when i called Bank of America to disputed the transaction they did resolve it after i sent prove where i paid for the ticket from a different card but unfortunately after a month they took the money back this morning said it didnt resolve after 12 years with Bank of America im so disappointed and realized that they dont care about customer all they care about is money money money, im not wasting {$860.00} for something i didnt used i need help since they dont wan na resolved the issues with XXXX
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

I was allegedly accused of owing the amount of {$1000.00}, on XX/XX/XXXX. The name that the billing statement was made out to is not my name. I sent a debt validation letter on XX/XX/XXXX and I received medical records with the same incorrect name. I also never signed a HIPPA form authorizing them to have access to any medical information of mine. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Since XX/XX/2020 I have sent Navient Solutions LLC {$9700.00} towards my student loans as part of my repayment of the money I still owe for college loans taken out 12 years ago. I have struggled with making on-time payments in the past and have made sacrifices so that I could get my credit back and begin to pay them on time. I have found it troubling that with sending almost {$10000.00} to them, my balance never seems to lower. After looking at how my money is being used, only {$1900.00} has been applied to my principal balance. {$7700.00} since has been set aside to pay interest. 
I am reaching out to see if there is anything you can do to help bring some balance to this transaction. It is an absolute shame that this is allowed to happen and I'm sure I'm not the only person that is suffering from this.
Consumer complaint received 2021-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (KY)

Back in XX/XX/XXXX, I learned that Specialized Loan Servicing was reporting that I was delinquent on my mortgage in XXXX and XX/XX/2019. That was not possible since I sold my house on XX/XX/2019. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/19 @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Consumer complaint received 2022-04-08
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: KEYCORP (NY)

I was reviewing my Key Bank credit card transactions on line on XX/XX/2021 and noticed that virtually all my reward points were gone. I had close to XXXX XXXX reward points that were transferred from prior Key Bank acquisitions, notably XXXX and XXXX XXXX XXXX. I had XXXX points as of XXXX, and it dropped to XXXX points on XXXX per the Key statements, which I will attach to this complaint. 

I immediately called Key Bank on their recorded lines and was give a run around for over 60 minutes. They had told me they had expired. However, I was give no notification or warning that there was an expiration of these acquired points. XXXX and XXXX XXXX points did not expire. I was told on the recorded line it was important to know these were prior acquisition points and that a supervisor would review and contact me within 48 hours. I have not received a return call to date. 

I had been savings these points for a retirement trip vacation with my wife. Had I been advised that these were to expire, I would have used them for other purposes.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Hello, I paid off my mortgage to Dovenmuehle on XX/XX/2020. I have {$210.00} on my escrow account that must be sent back to me. As of today, XX/XX/2020, Dovenmuehle hasn't sent me my money back. It has been 40 days since the payoff date Dovenmuehle is not helping its customers. There is no customer service. When I call the customer service line, there is an average of 45 min wait time until I speak with someone. Sometimes, they hang up on me. When I explain the situation, they will open a case with their research department and send a mail to notify me. However, they won't send the money back. 

I came across similar posts from other account holders. It is obvious that Dovenmuehle is keeping escrow balances that are due to customers as long as possible. Sometimes, I probably never pay. 

PS : Attached document shows a response to my earlier complaint I had with Dovenmuehle. In this document, you can see the following Dovenmuehle statement in the last paragraph : " There is an escrow balance of {$210.00}. Our procedure for disbursing escrow funds from a borrower 's account after payment in full is to wait fifteen days from the payoff date to ensure the payoff funds have cleared. Your payoff date was XX/XX/2020. As such, we will disburse your remaining escrow funds directly to you in the form of a check through USPS mail. This check will be sent to the mailing address on file at the time of payoff. '' There is no excuse that this check hasn't been sent yet. Please investigate other Dovenmuehle accounts. You will see that they keep escrow money much longer than necessary.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (VA)

On or around XXXX of XXXX COLLECTION MANAGEMENT CO placed a collection account on my consumer report. Listed below is how it appears on XXXX report : Account info Account name COLLECTION MANAGEMENT CO Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 180 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX I do not recognize this account. 
I have never conscented to do business with Collection Management Co. 
Collection Management Co has no permissible purpose to even has access to my consumer report.

I challenge the validity of this debt.

Collections Management Co has failed me my right to dispute the inaccurate account as they have never mailed any letter stating the right to do so.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the date of XX/XX/XXXX I checked my credit score as I usually do using XXXX XXXX  on or around XXXX XXXX. My credit score with Transunion dropped 64 points. The only activity showing on my accounts was 3 payments to 3 different credit card companies. One of them being XXXX XXXX Credit Card. I then checked my credit report and XXXX XXXX Score using Transunion 's website which I am a member of. It also shows a drop of 64 points. I contacted Transunion at XXXX on XX/XX/XXXX ( Monday ), the agent ( XXXX ID : XXXX ) stated that XXXX XXXX Credit Card was reporting a balance of {$370.00} on XX/XX/XXXX and therefore my points dropped drastically. My credit is at {$550.00} and since I was using more than 30 % of my available credit I was dinged for this. I explained to her that it's incorrect and my balance is in fact {$0.00}. I asked if there was anything I could do and the only she suggested was contest my balance via a dispute with them against XXXX XXXX XXXX  Card. I did as suggested but I also mentored that this was unfair credit reporting practices and that this was going to take me 30 months to raise my credit because of this error. This complaint is against XXXX XXXX XXXX  and Transunion for unfair credit score reporting practices and providing incorrect balance updates which caused this issue. 

This complaint is on my behalf by me, XXXX XXXX. 

I can provide statements and further details if required. 

I would just like my points back as this is going to affect me buying a home eventually as well
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (PA)

On or about XX/XX/2021 we received in the US Postal Service a written notification from Source RM. In it they claimed they were collecting debt of {$5800.00} on behalf of XXXX. We do not currently nor have we ever had an account with XXXX. Additionally, my last name was spelled XXXX, not XXXX, and there was an apartment number at our address but our home is a single family dwelling. 

On the same day we contacted Source RM at the number they gave to dispute the claim. When I discussed the incorrect spelling of my last name and the apartment number, they asked about an e-mail address attached to the account. The e-mail address was also not mine. They told us they would send out a fraud dispute package in the mail. 

On XX/XX/2021, we contacted Source RM to follow-up as we had not yet received the fraud package. They stated it had not yet been sent, the account was listed as in dispute, but they only have one person handling disputes and it may take longer to receive than 7-10 business days. They informed us we could dispute the claim directly on XXXX. 

One of the requirements of disputing a claim on XXXX is to provide a police report. On XX/XX/XXXX, a Pennsylvania State Trooper reviewed the letter from Source RM and informed us it appeared to be a fraud. He directed us to the consumer.ftc.gov to file a claim.
Consumer complaint received 2021-05-29
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: Experian Information Solutions Inc. (NJ)

Experian, failed to delete XXXX XXXX Bank account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, Experian is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report XXXX date of last activity because its coming from 1 Creditor.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (VA)

1. I closed the Gap/XXXX XXXX about 3-4 years ago, maybe longer. I didnt get any statement since then till XX/XX/XXXX. And forgot completely about the card until XX/XX/XXXX. 
2. I received a statement on XXXX XXXX. The statement had a balance but didnt indicate what it was for, because it was not a current charge then. I called and asked the representative and found it was for XXXX XXXX. I thought it was my mistake, and paid around {$170.00}. And then closed the account ( Still XX/XX/XXXX ) 3. I received no statements from XXXX XXXX. 
4. I received another statement XX/XX/XXXX ( I closed the card twice! ). It had a " previous balance of {$150.00} '' and " fees Charged '' of {$37.00} and " Interest Charged '' of " {$3.00}. 
5. I called and said I wanted to dispute the charge.

6. The call got dropped.

7. I called back but wasn't able to log into the system. My birth date and card number didn't let me speak to the representative. Their phone system cant find my record, which it was able to on the first call.

8. In XX/XX/XXXX, I get another statement, with additional amounts of " fees '' and " interest charge '' I called XXXXXXXX XXXX again XX/XX/XXXX. Exact same thing happened from step 5-7.

9. I try to log in at the website but didn't know neither id nor password. ( Tried to register but the system wouldnt let me ) Usually if I dont know id or password, they would still let me log, by emailing me the temporary password but this system will not operate in such a way.