davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I don't recognize these inquiries nor have I applied to them, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant XXXX, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report TO EQUIFAX pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  # XXXX INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX XXXX XXXX   PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-11-13
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-13
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. (IN)

My idenity was compromised while serving in the XXXX. During this time the following inquiries were made fraudulently in my name. I request that these Items be removed immediately. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX   XXXX
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (GA)

My XXXX year old son was given a vanilla  gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX immediately. 

The XXXX XXXX  is associated with this card and serviced by incomm financial services. They are responsible for making this right.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CO)

I opened a savings ( money market ) account with BMO Harris USA online. I read all terms and disclosures. 

Their sign up process failed to provide me a copy of all things I " signed '' and or agreed too. It failed to provide my new account number. 

After I called them they refused to talk to me once I failed one of the frequently incorrect credit history questions ( This data is constantly incorrect.. for example " when did you graduate high school '' ... is inferred and incorrect in my case -- I have no idea when they think I graduated high school, I was home schooled and already attending college while still in high school ). They refused to talk to me even though I had provided two email addresses and two mobile phone numbers with the application. I had no account number to the {$30000.00} I just transferred in to a new account and no access. 

Eventually I got access, but I was quite upset. After trying to use the account I found I was unable to transfer money out. And I found there were suddenly daily, weekly and monthly electronic transaction " amount '' limits which WERE NOT DISCLOSED up front. Their disclosure described limits in frequency, but absolutely no mention of amount limits. See attached disclosure. 

A simple XXXX search shows they violated Regulation E ( 12 C.F.R. 205.2 ) on disclosures. 

When I requested to close the account they want to charge an account closing fee and other fees. 

Please help me.
Consumer complaint received 2019-11-13
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 — Problem with personal statement of dispute
Company: Diversified Adjustment Service, Inc. (ID)

I was given the option twice by the XXXX to terminate my account due to the lack of service provided by them. I accepted but they continued to charge me and never terminated the contracts as specified and offered when I accepted the offer in 2018. They turned around and sold the account to a debt collections agency, I denied the account due to the agreement I had accepted with XXXX. Now the account has been bought by another debt collector whom has never offered to settle, negotiate or even submitted a request for information on the account. They have just reported the account on my credit and I have disputed it and it was immediately denied within 24 hours and deemed accurate even though XXXX has recorded conversations of the offer of termination of account without penalty and acceptance. DIVERSIFIED ADJUSTMENT continues to violate the FDCPA rules and regulations regarding validation and accuracy of debt. 
They are facing legal action by federal suit unless this is taken care of immediately and removed from my credit.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  Account XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-13
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-13
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
Consumer complaint received 2019-11-13
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-11-13
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. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-13
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. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-11-13
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: EQUIFAX, INC. (OH)

XX/XX/2019, I attempted to purchase a home. My mortgage lender could not access my Equifax credit report. We later found out that Equifax has two different birthdays for me. In order to correct the problem, I had to submit documentation to prove my identity ( XX/XX/2019 ). The account at Equifax was updated, around XX/XX/2019. Immediately, I received a message from my credit monitoring agency, " Equifax has 5 new inquiries on your account resulting in your score dropping 38 points ''.

This issue took my score out of the range to purchase the home. The problem is not my fault and I want my score restored.

I have called Equifax at least seven times. Six times we were " disconnected '' and they never attempted to call me back. They refused to work any further with me.
Consumer complaint received 2019-11-13
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. (AR)

XXXX XXXX XXXX  IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE XXXX  XXXX ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, EXPERIAN, XXXX & XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (GA)

On XX/XX/2021 at XXXX I received a call from Coinbase customer service ( See call log attached from initial complaint ). The rep stated that there was suspicious activity attempted on my account. At that point I told the rep to disable my account. After my account was disable, It took over 21/2 Months for Coinbase to allow me access to my account. They stated that at XXXX unautherized transactions were made from transferring out ( At today 's value over $ XXXX in crypto from my account ). They stated that someone sent a text message and was able to gain access/clone my account to access my login, password and 2 factor authentication. My two factor authenitaction is XXXX XXXX which changes every 30-45 seconds. TO gain access to this app my phone/SIM card would need to have been Cloned. I confirmed with my service provider XXXX XXXX XXXX that my acoount was NOT clone. They stated that if that happend, my service would have 100 % been interrupted and I would have had to go into the XXXX XXXX XXXX service center to restore my service, I DID NOT HAVE ANY SERVICE INTERRTION ON MY PHONE!. In addition, Coinbase stated that the call a received from their number was not them, that the Hacker cloned their number and called my to inquire about suspicious activity on my account THREE hours AFTER that took my crypto, which makes NO sense.

1. I have confirmed with XXXXXXXX XXXX XXXX that there was not suspicous access to my phone at ANY point 2. COntacting XXXX, of which Im sure they will confirm that the method that Coinbase stated my account was accessed that they could not have accessed my XXXX That only leaves that my Account was hacked from the Coinbase Network which I know they claim their network has Never been hacker to get customer info. The reality is that their findings on how my account was compromised is NOT true.

I am want Coinbase to RESTORE every Crypto that was taken from my account because my account was NOT compromised from my end!!
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

I graduated from the University XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. My student loans ( all federal loans ) came due on XX/XX/XXXX. I was initially with XXXX XXXX XXXX. I was then transferred ( not by my request ) to XXXX loans from XX/XX/XXXX until XX/XX/XXXX when I was then transferred again to My Fed Loans due to being under the Public Service Forgiveness program. For two years now I have been in contact with My Fed Loans about receiving credit for all payments made XX/XX/XXXX-XX/XX/XXXX. I call every 3-4 months and I am still told that this payment information has not come over. I attempted to call XXXX myself but they are no longer in business. Therefore, I have no proof of 10 months worth of payments that would go towards my 120 qualifying payments. I desperately need proof of these payments in order to get my forgiveness in the correct time-frame rather than a year later.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation (AZ)

I have never used the card and my first direct deposit was supposed to be loaded onto the card on Friday XXXX XXXX. On Thursday XX/XX/2019 I started to get text alerts around XXXX XXXX  that all kinds of charges were being made from that card. I looked to find out my card was not in my possession. I immediately called to report the card stolen. It's been since last week and they still won't issue me a new card and still won't credit back the amount taken from me which was over {$300.00}. I need to access the funds so I can pay my rent. Otherwise I face becoming homeless.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I pulled a copy of my XXXX and XXXX consumer report and noticed some items reporting on my credit file that isnt reporting on XXXX, so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ). I request that your organization immediately contacts the credit bureaus to instruct them to DELETE the account, as I have already done so. I was instructed to contact the company directly ; failure to comply will result in a violation, as one credit bureau, XXXX, has already taken action by deleting the account. Proof will be attached.
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I have graduated from an XXXX program and now I am enrolled in a XXXX   program that my employer pays for. 

XX/XX/2019, I received an email stating my " In-school deferment has been approved '' I immediately contacted Navient and requested that I be taken out of deferment as I had not requested this nor do I want it. They respond and take me out of deferment stating that my school contacted them about my new enrollment status and it was automatically changed. I can understand how this would be helpful so not a big deal it got changed. 

XX/XX/2019, I received another email stating my " In-school deferment has been approved ''. Once again I've immediately contacted them. Every time this happens it raises my monthly payment. It looks as if every other month they are trying to put me in deferment without my permission after I have explicitly stated that I do not wish to be in deferment
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

XXXX sold out to Westlake Portfolio Management. I would assume for the issues with the military, to include myself, and their overcharging and improper procedures of collection. I owe 1 more payment to Westlake, as they took over the last few months. I have not been late, but they are attempting to collect my last payment a month ahead of time and are now are saying my XX/XX/XXXX payment is considered late and will reflect on my credit. They are using this as a tool of harassment. I am a XXXX XXXX XXXX veteran and I served 22 years as an XXXX XXXX is the XXXX XXXX XXXX. The fact, we have been overcharged and overcharged and had added expenses is incomprehensible. We have been unable to understand our debt since going through XXXX and are unable to access any charges by XXXX or Westlake Portfolio Management. We are confused how we owe an entire {$800.00} more when we supposedly owe {$650.00} as our final payment. No one can explain this to my wife and I. We have been called every day since the XXXX, as they say our payment is now is default. Again, we are not late nor have we been late. XXXX extended our payments during XX/XX/XXXX/XX/XX/XXXX, I believe it was, and they did report to credit that we were late when they fixed the payments to be paid in more than one payment on a monthly basis. This was due to biweekly pay schedule. The issue is with Westlake now and we can get no satisfaction with insuring their mistakes does not effect my credit. I am trying to buy a house. I have been repairing credit due to fraud since XX/XX/XXXX/XX/XX/XXXX. This has been tragic. I have no idea what to do at this point but to contact attorneys. Westlake Portfolio uses tactics I believe are wrong. What else can we do here when we just want this issue fixed? Regards, XXXX and XXXX
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We were effected by hurricane Micheal and lost our home. We received {$25000.00} from the insurance company. XXXX XXXX XXXX is now refusing to send the last {$10000.00}. We have a signed lien waver from the contractor and checks paid to them for well over {$35000.00} and they have released a {$15000.00} check in XX/XX/2019 but still have not received the other {$10000.00}. Now they are refusing to send the money to me directly instead they put the contractors name on the check. This has been going on since XX/XX/2019. What can I do to get this resolved? 
I need assistance ....