davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (TN)

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 XXXX XXXX XXXX. 

Accounts to delete XXXX, XXXXXXXX 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 Bankruptcy Bankruptcy Chapter XXXX XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've got my account with Bank Of America. I was selling my car and got a check of $ XXXX which i deposited to my account, ask the bank teller how long it will take to clear the check, she said next day. 
Next day entire $ XXXX money was in my account. I went to the site and looked at the transaction and all looks normal as my account was credited by $ XXXX. 
The person who sent the check mentioned that funds have been moved out of his account. 
At this point I am certain that transaction has gone through. I paid $ XXXX to a moving service on behalf of the buyer. 
2 days later the entire $ XXXX was gone and check bounced. I was frauded for $ XXXX. 
Why BOA didn't mention in the transaction that Check hasn't cleared and these are courtesy funds??? How do I know that they made it available based on my records but didn't inform me. 
Complete lack of transparency from their side and now they're not taking responsibility whatsoever and blaming me as a consumer to be aware of this. 
How I suppose to know and I transferred money using XXXX, BOA app and they aren't taking responsibility of that either. 
Need government help here. It's so easy technology wise to inform consumers that funds aren't cleared fully and you've courtesy fund provided by BOA. Simple write on the banking transaction to make consumer aware so they don't think that check has been cleared. Right? 
I need my hard earned $ XXXX back. And I want government to add these minor adjustments to banking regulations to protect consumers. 
Thanks! 
XXXX
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services (TN)

I would like to complain about the misleading information in my credit report and I was totally surprised when I saw MERCEDES BENZ FINANCIAL that has a balance of {$39000.00} opened on XXXX XXXX that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I received an email from XXXX stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

I then requested a credit report through XXXX to review my credit history. I noticed that the new account in question was for an Home Depot credit card that was open on XX/XX/XXXX with a balance of {$2900.00}. 

I contacted XXXX and requested a dispute. I contacted Home Depot to close this account and conduct a fraud investigation on XX/XX/XXXX. I also alerted the XXXX XXXX team to notify them that this was indeed fraud and request a security alert be added to my account so that I would be notified if any new attempts to open account happened.
Consumer complaint received 2016-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (TX)

I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I have been a victim of fraud and i notice accounts on my credit report that i am not aware of. I have tried to reach out to 3 major credit beaureas and they wouldnt not help me with getting that information removed off my report.
Consumer complaint received 2023-06-11
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. (TX)

I went to a dealership with an approval of credit from my bank for an auto loan and explicitly yold them not to run my credit thru multiple outlets, as they have several different lots and they agreed. They then said it was REQUIRED by the credit bureau to run it theu their system and I ended up with MULTIPLE credit request ( over 70 letters came to my house ). I had my credit report frozen on all bureaus and they still allowed for this to happen. It affected both my husband and myself
Consumer complaint received 2023-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANDY SPRING BANCORP, INC. (MD)

I opened an high savings account with Sandy Spring Bank. I applied for the account online and spoke with their security division prior to them approving and opening the account. The initial deposit from another bank was completed on XX/XX/2023. I have attempted to receive online access on multiple occasions. On XXXX, I spoke with their Client Center who stated that I needed to present myself to a physical branch location to be able to set up online access. I inquired on how I might be able to access my money and again was told that the only recourse was going to a physical branch location. I would have set up this account, nor would I have allowed the transfer of funds from another financial institution. Further, I am concerned about the security practices of Sandy Spring. If there was a need to confirm my identity or provide additional information, shouldn't that have been done prior to them opening the account and moving my money.
Consumer complaint received 2022-12-09
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. (PA)

XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (PA)

XXXX XXXX is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (OH)

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}
Consumer complaint received 2022-12-10
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: Transform Credit Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX but account not open by me 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
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

My money was stolen XXXX XXXX XXXX I tought that I was trading using the XXXX XXXX  XXXX. I borrowed money and bought XXXX ( this was advised by the scammers ). After a few trades, they dissappeared leaving me broke and having great debts with the persons I borrowed the money from. Fast forward to two years later ... ( XX/XX/2023 ) I got contacted by someone ( XXXX XXXX ) from some trade control company. He told me that the stolen funds were seized and that Coinbase was cooperating to get the stolen funds back to the victims. There were off course hundreds of victims worldwide. 
Now Coinbase send me emails that the stolen funds are ready to be transferred back to my wallet ( coinbase wallet ) but before they will do that, I will have to top up my coinbase wallet with XXXX XXXX. Witch I don't have off course. So they want me to top up my account with them before they release the funds to me... This sounds like a scam. But I don't know what the regular procedure is in these cases. They say that I have to top up XXXX so that my bank won't think that this is a money laundring sceme... The only thing I can say is... XXXX!! Please help.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

1. Tried 4 times today to get past their automated computerXX/XX/XXXXXXXX, 2022 I placed a freeze alert XXXX and a fraud alert XXXX. Called today to remove both and system put another freeze back on my account. I received XXXX confirmations of the removal of both, NOT SURE IF THIS WAS COMPLETED AND IF NOT, THE ALERTS NEED TO COME OFF IMMEDIATELY. Confirmation they are off, XXXX and XXXX... 
2. Another complaint is my credit score is XXXX points lower with the same credit information EVERYWHERE and I want to know why? I want this fixed, XXXX points lower is bad!
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a XXXX XXXX credit card under my name with an outstanding balance of over {$3000.00}. I called XXXX XXXX to request information about the account and they gave me no information. I started a fraud investigation with XXXX  XXXX and they closed the account. I also added a fraud alert to my credit report and filed a police report. XXXX XXXXXXXX denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. XXXX XXXX then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via Experian. This account is fraudulent, I did not apply for or authorize the account.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2024-04-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P&B Capital Group, LLC (TN)

An individual called me from XXXXXXXX XXXX XXXX to collect a debt on myself and my wife. I set up a payment arrangement that ultimately failed due to a bank issue. I called back a few days later to correct the current payment arrangement and was transferred to a very rude individual who refused to set up another arrangement claiming, and I quote, You and I both know youre not going to make the payments. After pleading to set up another arrangement, he informed me that I will be charged a {$75.00} decline fee for each account plus {$25.00} per day late for each account. The total fees at the time were {$450.00} just to be able to start paying anything towards the original balance. After I told him I could not afford the fees he told me, and I quote, Good luck. He informed me that I essentially bounced a check when the original payment did not go through and that I was subject to additional fines and legal consequences for bouncing a check if though the payment was set up via debit card. He refused to accept any payment until his fees were collected so we hung up. I then called XXXX XXXX XXXXXXXX again to try to set up a payment and was immediately connected to the same rude man who immediately asked if I was seeking legal counsel. He seemed surprised when I said no and again insisted that I pay the full balance or it will be turned over for legal processing. I had to actually force a payment of {$200.00} ( {$100.00} for each account ) as he did not want to accept it. Finally he did with the statement that it didnt matter that it would still go to legal processing. After checking my bank account I noticed that the company who charged my account was P & B Capital Group LLC. I have never heard of that company, never received any communication from them, nor did this guy or the woman before him ever mention that company. I thought I was dealing with XXXX XXXX XXXXXXXX ( attorneys ) the entire time. I have voicemails and recorded phone calls to prove if needed. I would like to pursue complaints for impersonating a legal company, charging illegal fees ( daily ) and treating legal action if not paid in full. Additionally he claimed that my place of employment had been confirmed and addressed verified despite being unemployed at the time.
Consumer complaint received 2022-11-25
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. (NY)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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 2022-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC (NJ)

CoreLogic and its associates XXXX XXXX XXXX and/or representatives continue to willful violate RESPA as well as overcharging clients and mismanagement of escrow accounts creating a constant surplus or shortages and/or a way to charge people a higher monthly payment. 

They play a game of calling its errors when doing so or claim it is mistakes when in fact, they are experts at it and continue cook the books and/or do things to create either a shortage and/or overages they use the taxes as part of the cooking of the books processes. 

By either overpaying them, underpaying them or paying the wrong property or not paying them at all until it's a problem. Then they get the overpayments from the taxing authorities sent to them. They have made millions doing this causing chaos for the average person as well as hardships, distress, mental anguish. ( See below link. ) They are fall into a pattern also involves the insurance companies and/or do so during such renewals and/or are price gouging. They send a shortage of escrow notice and even when you pay it in full, they play games like they dont know it or receive it and continue to bill you the monthly installments then overpay or under pay the taxes or dont pay them and the mortgagee has to and/or stay on top of it exploiting the RESPA processes. They also set up a separate company to handle the property taxes as part of the cooking of the books processes. 

XXXX XXXX XXXXXXXX XXXX Note XXXX seems to be this years new number of increases to monthly billing. 

They have at minimum grossly mismanaged the escrow account and/or the paying of taxes and/or their incompetency is a breach of contract FHA laws or rules XXXX RESPA violations and causinXXXX XXXX XXXX people and/or mental anguish. 

Please see prior complaints # XXXX and XXXX. 

They may also be using as a harassment operation, political hit jobs or to fund and insurgency at the XXXX XXXX. Unknown, Unconfirmed, Unverified.