davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-28
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (MO)

XX/XX/XXXX XXXXXXXX at US Bank ATM at the XXXX Missouri Branch I attempted to make a cash withdrawal of {$640.00}. The machine sounded as if it was counting cash then displayed a message saying my card is being kept to contact my bank. I went into the branch and was told that my card would be shredded due to me being a Non US Bank account holder. The Funds where taken from my account including a {$5.00} fee. After trying to plead with the branch manger to try and help me it went nowhere and left without my card and no money & the funds no longer in my account. I followed my instructions to take it up with my Bank. After 6 days I was informed by my Bank ( XXXX XXXX ) that I was unable to move forward with dispute with XXXX XXXX because I didn't have a paper receipt. 
I called the Branch trying to get information of any kind as there's nobody who is trying to give me any Update. The Branch Manger informed me that when the ATM was balanced it did not show any overage and that its unlikely I will get my money back in my account. I advised him to check the Video Footage to see if cash was dispensed and was told that it wasn't necessary as everything seemed to be functioning normally. I am very disappointed by anyone 's lack of compassion and value in a " Non Customer '' US Bank just keeps transferring me on a endless loop of different automated lines and wrong departments, it feels seriously hopeless and like a blatant robbery from the ATM owner or operator, or Whoever has access to the ATM to count the funds is absolutely being dishonest about being balanced. It's impossible to not be off {$640.00}, I fill completely powerless and just really need my money as thats a very substantial amount for our household.
Consumer complaint received 2021-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Hi there, On XX/XX/XXXX I had someone call me saying they were from my bank and they were working with Coinbase to secure my account as it had been compromised. They knew my account number and date of birth as proof, and told me that they were working with Coinbase to set up a new external wallet, and that my coins had to be transferred there before I lost everything. 

I want to be clear that throughout no part of this did I share my password, any XXXX code or download/install any app or software on any of my devices. My phone has not been lost or stolen at all, and I use a strong password including letters, numbers, and upper/lower case characters. The two transactions on XX/XX/XXXX ( of Bitcoin and Ethereum ) from my account were to a scam wallet address, and the cybersecurity breach continued on XX/XX/XXXX when they sent what remained of my Ethereum to another scam wallet address without me even being logged in. I have receipts of the texts and calls I received from these scammers, and recorded part of the conversation for evidence. 

The below transactions were all part of a scam and cybersecurity attack, with the first ( and most recent ) happening this morning despite having XXXX fully enabled on my account. I have email receipts for each of these transactions, too : 1. XX/XX/XXXX : 2.XXXX ETH to XXXX 2. XX/XX/XXXX : XXXX BTC to XXXX 3. XX/XX/XXXX : 5.XXXX ETH to XXXX To provide additional information I have been in touch with Action Fraud, the police and my bank account to notify them about this which all happened within the last 3-4 days, and I have a case number which I can provide to you if necessary, too. 

The loss of funds has been exclusively from my Coinbase account, with none of my other personal accounts having been subject to a scam/cybersecurity breach. I have raised a case and complaint with Coinbase, but have yet to hear back on this ( Case # XXXX, Case # XXXX, and Complaint # XXXX ). 

I can prove that I as the genuine account holder still have access to my email address and provide any form of authentication necessary, including a photo of the front/back of my ID or passport if needed for your own security purposes. 

Please do assist me with this if possible, as the three transactions listed here total to a significant amount and has left me devastated as a result. For the time being I have requested my account to be disabled to prevent what little is left from leaving my Coinbase account. 

XXXX, XXXX
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a second complaint to the initial one submitted in XX/XX/2019. BofA called me to tell they would not be refunding me the XXXX because the fee is disclosed in the terms and conditions. I told them it's DECEPTIVE TO DISCLOSE A FEE OF {$1.00} AND THEN CHARGE ME {$3.00}. Apparently they think we all have time to review the terms and condition to try to find the accurate fee of {$3.00} when the screen says {$1.00}. I want my {$2.00} or will file a class action suit on behalf of all the customers that have lost {$2.00}.
Consumer complaint received 2020-02-28
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

On or about XXXX, XXXX, I contacted Freedom Mortgage. I informed them that due to a medical issue I was experiencing, I needed some help on my mortgage payments. They agreed to defer the payments for 90 days. But they did not tell me that at the of 90 days, I would be required to catch up the loan. I thought we were suspending payments for the 90 day period, and I would resume on XX/XX/XXXX with payments being current. 

For a period of five months, I continued to make payments but I was never able to catch the payments up. 

On or about XX/XX/XXXX, I contacted XXXX XXXX XXXX for assistance. They worked with my mortgage company for approval of a loan modification. I paid this company {$5000.00}. 

On XX/XX/XXXX, I was notified that I was not approved for a loan modification due to too much income, but I was approved for a VA modification which would raise my interest rate from 3.25 % to 3.75 %. I was quoted a payment of {$2000.00}. The letter is vague. When you review the letter, it says The P & I Payment is {$2000.00} and the Estimated Escrow is {$560.00}, but it does not give the total payment. Is the payment I am to make {$2000.00} or {$2000.00} plus {$560.00}. The letter does not specify. 

When I asked Freedom Mortgage how they calculated the payment, I was told they did not have to give out that information to me. I needed to either accept the payment of {$2000.00} or reject it. If I rejected it, the mortgage company would foreclose on the house. 

My issue is this. According to my numbers : The balance of the mortgage is {$380000.00}. There are late payments totaling {$22000.00}, interest of {$9300.00}, legal fees of {$570.00} and an escrow shortage of XXXX. The total I am coming up with is {$420000.00}. A 30 year note of {$420000.00} at 3.75 % interest amortizes at {$1900.00} per month, not {$2000.00}. There is a different of roughly {$49.00} between the numbers I am being provided by XXXX XXXX XXXX and the amount the mortgage company wants me to pay. 

Also, other issues are this. They claim I am {$2100.00} behind on our homeowners dues. We are current on our HOA dues. I have attached a letter from our HOA verifying this. They are showing our balance owing is {$100.00}, which is due on XX/XX/XXXX ( HOA dues are {$650.00} per year ). Also, I am a XXXX vet with a property tax exemption on our homestead. They are billing me the full rate and calculating that as part of the escrow. This number is roughly {$6100.00} per year. Our property taxes are less than {$2100.00} per year with the exemption. 

I am more than willing to pay our mortgage, but I also don't want to be taken advantage of. I am willing to pay what the payment comes out to be, but I also need them to be open and up front with me as to how they are calculating the payment amount. As it stands right now, the numbers they are providing to me don't calculate to the payment they are asking for.
Consumer complaint received 2019-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions. (UT)

FBCS XXXX XXXX XXXX XXXX XXXX PA is saying that I owe XXXX I do not recognize the amount of the debt and asked for proof of the debt in writing. I to date have not received the proof. They are also calling my cell phone using a autodialer. I have asked them to stop and they will not. I did not give this phone number to the people i incurred the debt with. This is a violation of the TCPA which says Most recently, in 2012, the FCC revised its TCPA rules to require telemarketers ( 1 ) to obtain prior express written consent from consumers before robocalling them, ( 2 ) to no longer allow telemarketers to use an " established business relationship '' to avoid getting consent from consumers when their home phones, and ( 3 ) to require telemarketers to provide an automated, interactive " opt-out '' mechanism during each robocall so consumers can immediately tell the telemarketer to stop calling.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX will note disclose closed date to Equifax. Account was closed XXXX XXXX XXXX  to my knowledge. Equifax has not updated information. Sent multiple disputes to have this account deleted from my credit file. Equifax has failed to delete and remove after several attempts. Most resent date was XX/XX/XXXX. Seems like they are not communicating what I am requesting to other party. I am asking for immediate help to dissolve this matter. Thank you.
Consumer complaint received 2021-08-29
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: Experian Information Solutions Inc. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

On XX/XX/2019 XX/XX/2019 XX/XX/2019 there was fraudulent XXXX  charges on my checking account by my debit card XXXX XXXX XXXX XXXX which was cancelled by the bank. A new debit card which was issued on XX/XX/2019 by mail card # XXXX XXXX XXXX XXXX which I had received on XX/XX/2019 with letter stating that there was a breech and TCF Bank issued new card which was also used a day later. The amount that were charged to my account on XX/XX/2019 and XX/XX/2019 were XXXX XXXX XXXX XXXX. I filed fraud complaints case # XXXX and case # XXXX. Icalled TCF Bank today XX/XX/2019 and they denied claims stating I had charged these amount through XXXX and I didn't and I would not be receiving my money back. Now I am negative {$530.00} Checking account # is XXXX Thank you for helping My name is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone # XXXX I did call the XXXX XXXX  phone number that was given with charges and they will not take phone calls. The XXXX XXXX phone number was XXXX I am not able to print out my statement because they are changing there web at this time. They could only read it over phone to me
Consumer complaint received 2021-08-29
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. (CA)

I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, XXXX surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, Equifax continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. Equifax, XXXX, and XXXX  needs to remove these items my scores are supposed to XXXX in the 700s.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I believe this is a XXXX  error becuase I dont believe that all credit cards companies on my XXXX  report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX  and XXXX  has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX  said this was done by all 3 credit card companies. I believe this is XXXX  error because XXXX reported an updated balance of XXXX  balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and XXXX XXXX  on the same day. Apologize for XXXX  error but credit card companies can you please retify this with XXXX  this outdated info from XX/XX/XXXX that XXXX  placed back on my report after your company reported the update XXXX  balance XX/XX/XXXX. 


XXXX reported a XXXX  balance XX/XX/XXXX then today XXXX  is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. 

XXXX  for all credit cards reported to XXXX  as of XX/XX/XXXX. I dont know why is XXXX  reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX  balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. 

As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been change back to old outdated info of this error causing non approval on a house
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio America Asset Management, LLC (TN)

the company debt collector, portfolio recovery associates XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt XXXX XXXX replied it was fraud, portfolio keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from XXXX XXXX showing it was fraud, portfolio continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. XXXX is showing a Last Reported date of XX/XX/2022, Experian showing XX/XX/2022, and XXXX is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between XXXX and XXXX / Experian. High Credit Amount is different between XXXX and XXXX / Experian. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX XXXXXXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for XXXX, Experian is showing XX/XX/2022, and XXXX is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.
Consumer complaint received 2021-08-29
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: Experian Information Solutions Inc. (NY)

To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.
Consumer complaint received 2021-08-29
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: CORELOGIC INC (TX)

I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, Credco and XXXX. 

These inquiries need to be removed or further action will be taken.