davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hi I had my coinbase account with id XXXX and changed my phone as a result the 2FA was not working. In order to recover my account I tried to upload my new identification documentation 100s of times but the system returned " ID Unreadable ''. I then created a new coinbase account XXXX with the same Identification documents and it was recognized. I then asked Coinbase to : 1 ) Either recognize my identification documents for account XXXX OR 2 ) transfer my coinbase funds ( BTC, ETH, LTC, etc ) from my old account XXXX to XXXX - so that I could get access to my funds. 
I have been unable to access my coins / funds since XX/XX/2017. 

Several tickets have been raised for both the above requests, but till date the only response I have got it they are working on the issue, for the past 3 months I have been following up regularly but my problem is still not solved. 
1 ) Tickets to restore my old account ( XXXX ) # XXXX ( XX/XX/2017 ) 2 ) Ticket to transfer funds from old account ( XXXX ) to ( XXXX ) # XXXX - initially raised on ( XX/XX/2017 ). 

Their software easily reads my id when I create a new account, but when I try to restore my old account it fails badly. 

I have been following up almost daily on XXXX and sending reminders to help me as approx. XXXX USD amount of funds are stuck and I can not get access to the coins. 

I am ready to send them any documentation they need, they already have my mobile number and can verify my identity using SMS and my pictures. 


Thanks XXXX XXXX
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom it may concern This is the final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the attached hard inquiries. 

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore I will be instituting legal action against each for violating Title 15 U.S.C. ss 1681i. 

In any event, I request you delete these inquiries to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically as you likely are aware Title 15 U.S.C.ss 1681n & 1681o provide for, among other things, punitive damages and attorneys fees. 

In any case, in light of the above, your continued unwillingness to bide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions.

Lastly pursuant to sections 1681i, subdivisions ( a ) ( 6 ) A & B, demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation no later than 5 business days after the completion of the reinvestigation.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WY)

On XX/XX/XXXX my loan was sold to XXXX Mortgage. I didn't receive any notice until after XX/XX/XXXX. I made my normal mortgage payment from out-of-town through my bank account to XXXX XXXX/XXXX  XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a letter from Freedom Mortgage that my loan was sold to them. My XX/XX/XXXX payment was forwarded to Freedom Mortgage on XX/XX/XXXX by XXXX XXXX but has not been posted to my account.
Consumer complaint received 2021-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

In XX/XX/2021 I was reminded that my account is 2 payments ahead. These payments were made a few years ago and have rolled over each month not being applied. To recover those funds I was told by the representative to just not make the next two months ' payments. When I did as told I received late notices. In frustration, not wanting a bad credit rating, I paid the whole account back up in XXXX. This made it two payments ahead again.

Suntrust transferred the account to Truist. Both Suntrust and Truist agree there are 2 payments rolling forward. Furthermore, the account shows it, see attached. I am unable to get anyone to tell me how I may recover those funds. I am about to pay it off but the PayOff statement does not reflect these funds ( see attached ). I am desperately trying to get these funds back.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

{$6000.00} of balance from SANTANDER BK, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Consumer complaint received 2018-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. 

The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. 

C/O XXXX Account Claims # 's XXXX,XXXX,XXXX,XXXX
Consumer complaint received 2021-12-01
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. (LA)

TransUnion company really dont do there job the person told he was a supervisor and said he will not take anything off my credit file I sent my police report and the others have already took items off he was very rude couldnt not understand no XXXX its really sad that a company can mess your life up this why its not fair Im trying to buy me a house next year and TransUnion is not doing there work
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.
Consumer complaint received 2022-01-15
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. (NY)

In XXXX of XXXX I paid off my card credit balance XXXX XXXX XXXX  since XXXX XXXX XXXX XXXX has not reported to TransUnion the correct information till this day which is XX/XX/XXXX the credit bureau is TransUnion credit report thet are still showing I owe a balance of {$760.00} also XXXX XXXX closed a good standing account and they still have not reopened the account I've been fighting with them since XXXX of XXXX and now we are in XX/XX/XXXX I have been denied an apartment because inaccurate information is reporting on my credit report
Consumer complaint received 2021-12-01
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. (NV)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX )
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Company : Synchrony Financial Product : XXXX Credit Card My Statement Balance : {$200.00} Due Date : XX/XX/2021 I was late by XXXX day in making payment due to connectivity issues and made the full payment on XX/XX/2021. Synchrony assessed a late fee of {$29.00} and an interest charge of {$5.00} which were tagged to my next month 's statement. 

I spoke to a representative on XX/XX/2021 and asked for late fee and interest charge to be waived. They waived the late fee but cited inability in waiving the interest charge as it was not their fault. The APR  applicable on my account according to them is 26.99 %. As I was late by only XXXX day my assumption was that I would be charged interest for only XXXX day ( around XXXX cents ) but the online representative told me they charge interest for a whole month at the minimum. 

In my mind this is unfair and the interest should only be accrued for the number of days the payment is late by. This is effectively making the interest rate thousands of % for just XXXX day of lateness. 

I would really appreciate any assistance in reaching out to this organization and putting forth my point of view.
Consumer complaint received 2021-06-09
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. (NY)

Experian credit report shows unknown hard inquiry from XXXX XXXX/XXXX XXXX XXXX. I have never in my life been to a XXXX XXXX XXXX. Experian refused to help and told me to contact XXXX XXXX. XXXX XXXX refused to help and transferred me back to Experian. Now both are saying it is the other 's problem.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

i have multiple hard inquires on my credit report for services are credit cards that i did not apply for i went through all of them and not one is from me i recently thought i disputed XXXX hard inquiry that my mother who is now deceased and as of today used under my name i check my report and i have about XXXX of them showing up. im not sure if this is fraud or scams but im asking if they can please be removed from my credit report its constantly been XXXX  dealing with this issue i dont check my score as much as i should but after today im gon na start. thank you you so much i appriciate it.
Consumer complaint received 2022-08-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). 

Accounts : XXXX XXXXXXXX XXXX  for {$630.00} and also another for {$600.00}. 
XXXX XXXX XXXX  for {$6100.00}. XXXXXXXX XXXX {$700.00} I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the 1099c cancellation of a debt. certificate of indebtedness is income that must be removed.

I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!
Consumer complaint received 2021-09-04
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)

There was no sub category listed for this complaint so this may be in the wrong category. My complaint is against Transunion. I had a fraudulent debt with XXXX XXXX XXXX that was being reported on my Transunion credit report. Transunion knew the debt was fraudulent but still allowed it to be reported. They were sued and had to pay XXXX XXXX dollars a few years ago for doing this same thing to someone else. Transunion finally removed this fraudulent debt from my credit report. Before Transunion removed this fraudulent debt my credit score was XXXX after they removed it my credit score increased by 2 points. I had a collections account removed from my credit report for the amount of {$800.00} and my credit score only increased by 2 points not likely. Transunion is keeping my credit score low deliberately to retaliate against me for exposing their fraudulent and illegal behavior. Transunion is aiding and abetting in a crime. I reported this crime to the Illinois state Attorney Generals Office and now Transunion is retaliating. In Florida where I live a debt collector has to be licensed in the state of Florida in order to collect a debt in Florida. If they are not licensed and try to collect the debt then its a crime that the Florida Attorney Generals office has authority to pursue legal action against the company rather they are located in Florid or not. Transunion is allowing XXXX XXXX XXXX XXXX to commit a crime and use Transunions platform to further this crime. XXXX XXXX XXXX XXXX is not a licensed consumer debt collector in the state of Florida and they are committing a crime by trying to collect a debt from me. Transunion is aware of this crime but still chooses to allow XXXX XXXX XXXX XXXX to use their ( Transunions ) platform to in furtherance of this crime. I reported this illegal activity to the Illinois Attorney Generals Office and now Transunion is retaliating against me.
Consumer complaint received 2022-10-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (GA)

On XX/XX/2022 I asked in writing for validation of debt & rights to collect on debt in Georgia, Ive also advise company I didnt give them permission to report any information or my consumer report. I requested dispute information, company has failed to validate debt within the allot amount of time. Collection company has ran my credit illegally, updates debt in an erroneous manner. Do so wish to file a formal complaint on debt collect company. Ive ask company to cease & desist on fraudulent information.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.