davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (CA)

Submitted a detailed complaint regarding an employee interaction and a breach and manipulation of my credit report & info. with CFPB and the response from experian was an evasion tactic that a CFPB supervisor explained they had been " seeing a lot lately '' and that it was their " newest trick '' to shut down consumers and complaints. 

What he was referring to was Experian basically pretending/saying that they would not investigate my issues because they did not believe i was the one who had made the complaint and so " for my protection '' they were dismissing/not acting on m complaint. I am going to forward the prior and this complaint to the district attorney 's office and the FTC so please be as thorough as possible and get NAMES etc. of any contact regarding this. 
thank you
Consumer complaint received 2020-05-26
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. (NC)

TransUnion, XXXX  and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The XXXX Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX XXXX even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY XXXX XXXX XXXX Bank # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has XXXX accounts the XXXX that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other XXXX bureaus only XXXX who is reporting this chargeoff the other XXXX bureaus have the correct information which should just be the XXXX account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) TransUnion and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted ComenityBank they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company XXXX XXXX XXXX XXXX has Removed the account from all XXXX bureaus XXXX, TransUnion and XXXX  XXXX remove the XXXX they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all XXXX bureaus
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (TX)

I am the victim of fraud. On XX/XX/2020 ; multiple fraudulent charges of {$54.00} XXXX ( Total : {$270.00} ) were made to XXXX XXXX store XXXX ( XXXX, AZ ) via my cash app. I contacted the merchant immediately on * ( XX/XX/2020 ) only to be told it was nothing he could do, and advise that I contact my card company. I contacted Cash App immediately as well on * ( XX/XX/2020 ) only to receive a generic response requesting information * ( email to merchant, police report, Internet crime report, etc. ) which I provided in several emails only to still NOT be refunded for the {$270.00} that was stolen from me, and dispute not file by cash app as requested. Cash App has compromised my account. A few months ago Cash app changed my account and routing number without my knowledge and permission. Now this has happen to me, and my money has been stolen and cash app is refusing to do anything about it. Cash app is not responding to my emails. I'm requesting to be refunded the money that was stolen from me by Cash App and XXXX XXXX store * ( XXXX XXXX. I truly believe in good faith that Cash App has compromised my account, and made fraudulent charges to XXXX XXXX via my cash app account.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (MN)

On Sunday XX/XX/20 I was searching for a new credit card offers online. Out of no where there was a pop up by this company Lexington Law and they made it seem promising and fact my credit score would be better and they would help repair and remove any  negative stuff on my credit report. They sold me I was stupid and should never trust this pop up site they demanded for my full social security number and my address my name my email my phone number and yet they demanded a payment set up process they pre authorize money from my bank debit card amount {$14.00} and they got my card number. So I was trying to reach them I called them XXXX turn out it was a bogus line it appear I can text them here so text them asking for help log in no responses and yet they have a system I can reset my log in I click it they stated go to my email and follow the direction of reset log in I am now confused I got no email or any help from this co and yet they have my social security number and call them spoke with XXXX and he never help me and refused give me my email or log in info and yet I paid for a service that they never promised or provided the service and yet they want me to wait for a supervisor call me I never request for one and I want an answer now and yet they phishing my information stated I have an account with them prior XX/XX/20 they made it sound like I am already I customer I have no clue I just signing up for service on XX/XX/20 unless Lexington law sign and allow someone elses uses my info and to steal my credits information with out my permission and I now fear this company has allow someone elses sign up their service prior me joint the service on XX/XX/20 this is a concern I immediately asked XXXX cancel my service and refund my money he refused and yet forcing me speak with his supervisor and want to scam and call me I said no way. And yet paid for a service and no service and no help and yet fear they scam me and also they made it song like I already had their service prior XX/XX/20 I have no account set up prior XX/XX/20 and they took my money left me without any help and yet the guy name XXXX said his company been in business for 20 years + and yet they violated my rights all of the above.
Consumer complaint received 2020-05-26
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)

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2020-05-26
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)

XXXX ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have been using coinbase for a while now and Ive had no problems. 

However, on XX/XX/2020, I sent XXXX and a few moments later I was locked out of my account. 

I have tried to get in contact with coinbase and they have just flatly ignored me. 

I have tried to contact them on so many occasions but they havent contacted me back. 

They say to contact their support and I did and I only received an automated reply and nothing else. They gave me a case number # XXXX since XX/XX/XXXX. 

When reading online, it has happened to so many people which is why I believe it has become a scam site. 

I just want my money back. Its been so tough with coronavirus, we dont need these people to make it worse for us
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Found out XX/XX/2020, my Social Security number had been compromised, i.e., identity theft. I filed a police report, a complaint with the Federal Trade Commission, an Affidavit of Identity Theft with the IRS, called our local Social Security Office as well as phoned the Attorney General 's office and emailed them. I then proceeded to go " lock '' or " freeze '' my credit reports. In doing so, I was reminded that I had frozen all of them back in the end of XX/XX/2020 due to some personal financial information that went missing via USPS, but turned up much later. In the meantime, I never removed the " freeze '' on any of my accounts. on Friday, XX/XX/2020, I called each bureau and put a " fraud alert '' on my credit reporting accounts also. When checking my report this morning ( as obviously I have to do pretty much every day now ), I find that Transunion, while my credit report was supposed to be " frozen, '' allowed an inquiry by my employer. First, my employer should never have access to my account without my written consent, this is my personal information. Second, the date of the " employer verifying '' was XX/XX/2020, the exact same date that the Employment Security Department was indicating I was laid off work and trying to verify my " claim for unemployment. '' I have no claim for unemployment, I have been at work since day one of this pandemic we are experiencing. Therefore, whether it be the Employment SEcurity Department or my " employer, '' there was an " inquiry '' on my credit report which was " frozen '' so as not to allow any inquiries or applying for credit without speaking with me first. Transunion allowed this to happen ; and now when I try to reach out to them to find out who made the inquiry, Employment Security or my employer, they will not answer my questions, I can not understand a word their employee is saying, and then they say I need to file a " dispute '' and they forward me to the " dispute '' line which immediately says " Your call can not be taken right now '' and hangs up on me. This is after 30-45 minutes of waiting on hold just to get through only to get nowhere. I'm highly concerned for the safety of my financial information.
Consumer complaint received 2019-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is regarding my loan with Capital One Bank for my auto loan payment. In XX/XX/2017 my bank did not complete the auto pay and I was out of town. I contacted the bank and they said that if I made the payment via phone ACH that it would not record late. I have made every single payment on time my whole life and they ended up reporting my payment as late XX/XX/2017 My credit report has this blemish and I have no other derogatory auto payment ever reported.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

XXXX XXXX claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as XXXX.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (NY)

I had eight inquiries removed from my credit Experian credit report and my score did not go up. Experian indicated that inquiries bring your score down therefore when they are removed your score should go up. Experian also said that if I pay a certain membership then they will work harder at my credit score. 

Also, boost is not available to me because Experian is not linked to my checking account. I have been paying all utility bills for years and I am not receiving the service of a boost in my credit score because Experian is not linked to my bank. I called them and gave them my bank information including all of the bills I pay that qualify for a boost and have gotten no response.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax was contacted by consumer by means of formal letter for request of annual free credit report on XX/XX/2020 which resulted in denial service. 
Consumer is blocked from making an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. Consumer holds guarenteed lock to credit report with security freeze ; Equifax denied all participation accept disputes for consumer credit at this time. Consumer has rights to review and inspect credit holdings at any time which has been denied. Please help resolve as identity has been breached as security freeze dishonored by response of personal information does not match consequently. Soil born obligation to investigate any discrepency with personal identity with financial institutions. Gracious!
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Envelope received in XXXX for pre-paid Reward Card from employer. Reported as income via W2. Put envelope aside for use during XXXX XXXX weekend, when my family has a huge BBQ. Envelope simply stated name of employer and card value in window. Nothing related to time sensitivity or open now etc. No expiration date on exterior of envelope. On XX/XX/19, I opened the envelope and I called to activate the card. I was informed the card was closed. All funds were relinquished to Bank of America per the representative. No recourse offered. Simply stated card is expired. Given that the card was neither activated nor used, I never entered into Bank of Americas Prepaid Reward Card Agreement which governs its use. The agreement states that by accepting and using the Card, you agree to be bound by this Agreement. 

Given the card was not accepted and used, the Agreement in my eyes is invalidated. Bank of America should replace the card with one that is in date and has full funds of {$100.00}. Alternatively, if that is not feasible, they should provide me with the Fair Market Value of {$100.00} in Bank of America shares, as their business practices of confiscating earned income ( reported on a W2 ) less than 9 months post-receipt of a prepaid card surely would make the equity a great bet for the next 5-10 years.
Consumer complaint received 2020-05-26
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. (DE)

I have contacted all three credit agencies. XXXX, Experian, and XXXX  asking for account validation/verification from XXXX XXXX. I have sent the disputes a year ago! not only have I have not gotten a response back but they are also still reporting on my credit report. I have proof of delivery to both the collection agency and all three credit bureaus via usps certified mail return receipt and original documents. The bureaus are not responding to my request to provide validation or delete the account, my score is suffering and it is stopping me from purchasing a home!
Consumer complaint received 2019-09-01
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: EQUIFAX, INC. (IL)

On XX/XX/2019, XXXX XXXX XXXX applied {$17000.00} in XXXX Loan Forgiveness to my student loan balance bringing the balance down to {$26000.00}, as shown in the documents I have attached. XXXX XXXX notified me by email and regular mail that my account was now in re-payment with the first payment of {$82.00} being due on XX/XX/2019 ( see attached ). They have not updated my credit report to reflect the Forgiveness payments, nor have they removed the " deferred '' remark either. I disputed this with Equifax. ( See attached ). Equifax completed its investigation on XX/XX/2019 and states that XXXX XXXX verifies the information I have disputed ( balance of {$43000.00} and payment status " deferred '' ) to be correct when the documentation I have from XXXX XXXX and live online access to my XXXX XXXX account shows it is not correct. This is hurting my creditworthiness and ability to secure a decent interest rate on a car loan. My car is 18 years old with XXXX miles on it! I need reliable transportation to get to work!
Consumer complaint received 2020-05-26
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. (TX)

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only XXXX  has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and equifax on this matter
Consumer complaint received 2020-05-26
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. (MO)

Theres been multiple attempts made w/the servicer, XXXX, as well as all 3 credit bureaus, which even shows in the remarks sections on my reports that Ive disputed under XXXX. Two major issues, not being corrected. I have SIX ( 6 ) open loans w/ XXXX, 4 of those loans are being reported CLOSED on TransUnion . Those same 4, were originally owned accts by XXXX & transferred to XXXX. These 4 loans show current & open on XXXX  & XXXX. 

XXXX Original Loan info : {$3500.00} disbursed XX/XX/XXXX transfer date unk {$6000.00} disbursed XX/XX/XXXX transfer date unk {$1700.00} disbursed XX/XX/XXXX transfer date unk {$2900.00} disbursed XX/XX/XXXX transfer date unk 2. My other major issue w/XXXX  is that only on TransUnion report in the remarks section, on the 4 CLOSED loans. My Chapter XXXX Bankruptcy information is listed as if I filed w/XXXX included. NO student loans were included in my Chapter XXXX Bankruptcy, filed XX/XX/XXXX, later discharged XX/XX/XXXX. Bankruptcy case filed in XXXX XXXX, MO. US Bankruptcy Court # XXXX XXXX. It was filed under my married name. Which I am now back to my maiden name. They can always verify that information, Ive disputed several times w/ documentation & it still has not been corrected by TransUnion nor XXXX.
Consumer complaint received 2020-05-26
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: Mortgage Research Center, LLC (NM)

I did not authorize Veteran 's United XXXX  XXXX to run a credit report on me. Twice they have pulled my credit without authorization. I did speak to a representative and asked that they not pull my credit report. My ex spouse who is the service member specifically stated to the representative that we are not married and that my credit should not be pulled for loan approval. I am not military affiliated and and no longer a dependent of a service member. 
XX/XX/XXXX and XX/XX/XXXX are showing on my credit report as inquiries by this company and also have listed my address as that of my ex husband and we do not live in the same state. 
It appears these inquiries have affected my credit score by a few points.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AL)

After paying off the loan with Credit Acceptance I was given the title to the vehicle. Later on CAC claimed there was a pending balance of XXXX and got a judgment against me in state court. I have filed a federal lawsuit in this matter and until it is disposed, I am asking credit acceptance to remove any negative reporting on my credit XXXX v. Credit Acceptance XXXX XXXX