davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$9900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the fair credit reporting act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC (CA)

Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called XXXX XXXX saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the Credit Control Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not XXXX XXXX XXXX XXXX  XXXX  is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called XXXX XXXX. They said I owed the money and asked who was the company saying it was paid. When I told them Credit Control, I was informed that Credit Control is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from XXXX XXXX saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call Credit Control about it, even though Credit Control is their company. They said they have a process and I need to wait. I have never heard of Credit Control or XXXX XXXX  prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from Credit Control saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have a CoinBase account that I use for CryptoCurrency exchange. 

My password to my account was compromised and they were able to get into my account set up two factor authentication without my knowledge and hack my account. 
On XX/XX/XXXX, all my assets in Coinbase account were sold and withdrawn from my coinbase wallet. at XXXX Pacific Time to an account number that is not mine. 
On XX/XX/XXXX, at XXXX card number starting with XXXX and ending with XXXX and expiration date of XX/XX/XXXX was added to my account. Amount of {$3700.00} was withdrawn and transferred to this card with Bank Withdraw Reference numbers of : 1 ) XXXX and 2 ) XXXX. The address of the account is XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
This card was deleted immediately after withdrawing the funds from my account on XX/XX/XXXX, at XXXX. 

On XX/XX/XXXX, there was another attempt to withdraw and transfer {$15000.00} from my XXXX XXXX account to my Coinbase account which was unsuccessful due to insufficient funds in my account, and I received an insufficient fund notice from XXXX XXXX. 
This fraudulent activity was never flagges by Coinbase neither reported to me. 
I noticed this activity on XX/XX/XXXX, and called CoinBase and they told me that my account was hacked, and they have all my information. They immediately locked my account. I have lost all my {$3700.00} fund in my CoinBase account. 

I noticed this on XX/XX/XXXX, and contacted CoinBase. They could not help me to retrieve my money, but they provided the card that was added, and money was withdrawn to as well as the address associated to that card and Bank Withdraw reference numbers provided. 

I submitted IC3 FBI report as well as Police report with Incident/Report No : XXXX at XXXX XXXX , CA Police Station . 

My account was compromised due to insufficient security and I was not notified and Coinbase is not taking any responsibility. As a consumer, I trusted this organization with my assets.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (IL)

This account is from XXXX on equipment return charges. The equipment was returned to the XXXX store because XXXX stated I had to return equipment by mail. They would not pick up their own equipment. I shipped the equipment and there was no phone call or letter that they had received it. After checking my credit report several months after, there was a collection for the charges on equipment. I called XXXX and they stated they did not receive the equipment. XXXX  store in XXXX, illinois could not reproduce proof but remembered me shipping the equipment. This account is completely false and SHOULD not be placed on my credit report. I am XXXX years old and this is the only collection I have. I disputed this with all 3 credit bureaus and it was deleted. Now it has reappeared with new dates of delenquincy and XXXX  will not delete after receipt of my dispute. The dispute was placed on XX/XX/XXXX. Please help me get this false account removed.
Consumer complaint received 2024-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year> I went to my local Wells Fargo bank branch to inquire about the status of my escrow account refund on the Mortgage Loan that was paid off in XX/XX/year>. I spoke with a representative and he called the Mortgage Division and was told that the balance on the escrow account was paid by check and the check was cashed in XX/XX/year>. I did not endorse the check. I had no knowledge of the check being issued. For them to investigate this forgery, I was advised that I needed to sign and send Wells Fargo a notarized affidavit. I followed the instructions and sent Wells Fargo in XXXX XXXX, Iowa the required paperwork. They responded on XX/XX/year> that a fraud case had been opened on the forgery of my signature on their check and that I could expect a reply by XX/XX/year>. Now I am being told on the phone that the case was closed by their " Fraud Team '' on XX/XX/year> even though the representative, Jane, only gave me this information by phone today, XX/XX/year>. I have never been contacted by any person on the Wells Fargo " Fraud Team. '' I have not received any written communication about the resolution of this fraud case.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

We bought a home in XXXX and the loan was provided by Flagstar Bank. Since then, a pattern has emerged whereby we receive an annual " Escrow Analysis '' which, for the last two years, they have claimed an " escrow shortage ''. The shortage this year, is more than double what it was the first year. They claim it is due to property tax increases, however, we checked with our county tax assessor 's office and nothing has been sent to Flagstar regarding property taxes, hence, Flagstar would have no knowledge of any upcoming tax changes. When we call Flagstar, we're given some complicated explanations that still do not explain why we're having to give them money for a shortfall. 

If there is indeed a shortfall, then they obviously do not know how to cover an account adequately. Consumers should not have to worry about receiving a bill each year that they may not be able to pay, and therefore lose their home because of that inability to pay. 

In more than 30 years of having a mortgage, we have not encountered this situation with any other lender we've been involved with. We've read other consumer accounts of this same situation with Flagstar Bank on complaint websites, so we know it's not just us. Something with this bank is obviously wrong.
Consumer complaint received 2022-05-18
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

We closed on our home XX/XX/2020 and received a cashiers check from the title company on a local bank. We deposited the check with Wells Fargo XX/XX/XXXX. The manager XXXX said there would be a few days hold on it and he would call and check on it and get back to use. He didnt. Its been 8 days so I called title who called the bank and they said its been available since XX/XX/XXXX. So the manager lied again. 3 lies : it wasnt released in a couple of days, he did not get back to us ( I had to call him ), he never followed up, he never called the bank as he said he did. We are frustrated Wells Fargo has lied and still not given us our money. 

The Wells Fargo office involved is at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The manager we are having the problem with is XXXX. 

We also called Wells Fargo corporate who said they would work on it and there never should have been a hold on a cashiers check.
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 status incorrect
Company: EQUIFAX, INC. (DE)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/2021. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 that are still reporting on my Credit Report and need to remove pronto : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} DEPT OF ED/XXXX-Balance $ XXXX Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXXOriginal amount {$3000.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2200.00}
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX all white from XXXX dealership located on route XXXX in XXXX New Jersey at the time I was driving over the road because my occupation is XXXX XXXX I seen the car advertisement on XXXX XXXX And the price of the car was {$7000.00} and some change. However, I was told when I called to acquire about the car that they had to do a credit check and when the dealership ran my credit & they said I was good so I only had to put down {$1500.00} to take the car off the lot. Due to the lack of knowledge & the dealership did not fully explain the loan process they tricked me into a loan Process that turnt out to be 3 times more than what the car was worth & the car was a lemon. The Service Department reset the computer on the car to hide the check engine light so I wont see that it was a defect on the car and the radio did not work. three weeks later the engine light came on I reported to the dealership they forward me to the service department they gave me the runaround claim they couldnt get the piece which was the Crank sensor. Then when I go into the service department one of the employees claimed I have no warranty when the dealership told me I had a warranty and then I reported to Credit Acceptance about the extra fee the dealership tried to charge me & the defects on the car and Credit Acceptance did nothing about it. I feel as though Ive been taken advantage of and due to this car loan on my credit report Im not able to get credit cards, Im not able to start my trucking company because the dealership sold me a lemon and they did not fully educate me on the loan process because I would of never bought a XXXX car thats three times more than what its worth it makes no sense. I XXXX XXXX XXXX already paid that car off and I feel as thought I been Robb both ways Pocket and credit wise because I have to pay for them selling me a lemon tricking me into a loan. Before I started this Complaint I called Credit Acceptance to gather information before submitting and one of the employees did not want to give me to Abstract for the complainants she claimed the supervisor is not available, however one of the employees claim because the complaint its wasnt mailed in and it was over the phone its not valid when every phone call suppose to be recorded for insurance purposes & one of the employees took my complaint down over the phone when I filed it because the investigation department contacted me back and also they was no help at the time I was driving state to state I have proof of my occupation at the time of this purchase so they knew my profession was XXXX XXXX
Consumer complaint received 2020-06-25
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. (SD)

We were never late on our Auto Loan with XXXX XXXX. We paid our loan in full in XX/XX/XXXX. XXXX had not updated our reporting since XX/XX/XXXX. In XX/XX/XXXX, I disputed tje balance through Transunion. XXXX updated our account to reflect our last payment was in XXXX and the account is now closed, however they failed to report our XXXX and XXXX payments, and are now reporting a 30 day delinquency. This has negatively impacted our credit score.
Consumer complaint received 2020-06-25
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. (TX)

Experian, after having been instructed by XXXX XXXX XXXX to remove 2 inquiries, from dates XX/XX/XXXX and XX/XX/XXXX, which were not authorized by me. Experian takes one off my credit report the second one absurdly, and in a questionable way leaving the first inquiry from XX/XX/XXXX. 

Attached you will find the letter that XXXX XXXX XXXX sent on XX/XX/XXXX to me and the CFPB. 

Please order Experian to take the inquiry, as ordered by XXXX, and issue any applicable santions to Experian in place, not excluding the economic compensation, that CFPB considers applicable.