davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (GA)

Clarity is a credit bureau that obtains and resells consumer credit report information without consent. They acquired my credit information from XXXX and resold it within the past 90 days. When I checked my Clarity credit report online with reference number XXXX on XX/XX/2024, I was surprised to see that the " Inquiries Viewed By Others '' section had XXXX outdated and old inquiries. Furthermore, I found that XXXX out of the XXXX inquiries were duplicates, as XXXX XXXX had reported twice with the same date of inquiry, and the XXXX XXXX XXXX XXXX was also reported twice with the same date of inquiry.
Consumer complaint received 2022-10-13
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. (VA)

I saw a car loan from XXXX, and it is charged off, which is not my account, but it is stays on my credit report for long time. 
I call Experian today ( XX/XX/2022 ) ask them to remove that from my credit report, they told me I have to come to FTC.GOV to file a claim, then submit a document to their website. So they can help me remove that fraud.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I was part in a XXXX internet scam. 

Funds were sent via the Coinbase crypto exchange to a wallet/address that was participating in a fraudulent activity. 

Per my basic understanding, it is Coinbase responsibility to verify the receiving wallet/assess is not participating in fraud, money laundering, XXXX activity etc. 

With a multi level process for this determination, I believe Coinbase should have rejected the transaction and is in breezy of their responsibilities to me asa a customer of their exchange.

I contacted Coinbase and have not received a response.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Great American Finance Co (NY)

I noticed that my credit score had dropped almost XXXX points in the span of a month without any significantly new activity to my knowledge. When i checked my accounts via XXXX 's website, it listed a new account with " Greater American Finance '' opened in XXXX that I had never opened. There were late payment fees for a sum of greater than {$4000.00}. I had never reached out to this company before. When I was finally able to speak with a representative from Greater American Finance on XX/XX/23 and reported fraudulent activity, they told me to file a complaint with the police, with the credit bureau, and to send them copies of my photo ID and proof of address. They also told me the address I provided for them was not what they had on file.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (NV)

The US Bank cancelled my Checking Account 's Overdraft Coverage without Notice because according to US Bank Manager, XXXX XXXX XXXX, XXXX XXXX XXXX, the US Bank knew that I could have changed my direct deposit funds electronically to another Bank .Additionally, Manager XXXX XXXX stated another reason for the Cancellation. He stated that the US bank letter dated XXXX/XXXX/15 was " computer made '' due to the XXXX " cycle '' and He did not have any responsibility to seek an immediate solution. Because of the US Bank decision to Cancel my Checking Account 's Overdraft Coverage It cost me XXXX minutes of cellular telephone minutes, {$30.00} dollars additionally minutes to keep my phone active and severe emotional stress harmful for my well being. As of Today, the US Bank FAILED to clearly explained their motives for the cancellation of the agreement while kept collecting all overdraft fees of {$36.00} per overdraft and {$25.00} weekly fees. 
Worst yet, the US bank 's Customer Services representatives including XXXX XXXX XXXX XXXX XXXX XXXX did not have knowledge on how to resolve this Cancellation knowing that the US Bank collected all fees, that the Overdrawn amount was secure by an electronic direct deposit scheduled for XXXX/XXXX/15 of {$1500.00} that covers the amount of {$720.00}.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC. (MO)

XXXX XXXXXXXX XXXX XXXXXXXX : unauthorized inquiry on XXXX XXXX Ally financial : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX auto ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date : XXXX XXXX Unauthorized or non consent/not my account
Consumer complaint received 2022-04-17
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. (TX)

XX/XX/2022 Amount {$8.00} I contacted the company in regards to a fraudulenly accoun opened on my credit report and reporting inaccuracy that has caused damaged after providing a police report o company via email as requested. 

ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX a wire transfer in the amount of {$45000.00} from my bank account was stopped by my bank, Chase, because '' they believed it to be inconsistent with my history. '' On XX/XX/XXXX A second wire transfer in the amount of {$45000.00} was stopped for the same reason. 
ON XX/XX/XXXX a wire transfer in the amount of {$44000.00} was stopped for the same reason. 
On XX/XX/XXXX a wire transfer in t he amount of {$44000.00} was release to a bank in California without any authorization or contact with me. 
I have XXXX letter from Chase bank stating these transactions ocurred, which I unfortunately received after the fraud had been committee as they did not call me, but sent them through the mail. 
Chase bank has denied my claim for a reimbursement. They stated I was a victim of a scam not fraud. 
It's obvious we are both victims of a crime. 
The difference being I immediately went to the bank and : 1. Closed my account 2. changed password 3. changed i.d .

4. changed bank email address 5. spent hours with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, trying to figure out what had occurred. 
Chase bank on the other hand had allowed a wire transfer of {$44000.00} of hard earned money to be sent to California. 
They did this without ever having any contact with me. Without having any verbal or written confirmation or permission to release these funds. 
I put my money in the care of Chase bank expecting them to live up to their responsibility of caring for and protect my retirement money, THIS DID NOT HAPPEN!!!!!!!!
Consumer complaint received 2022-03-18
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. (OH)

In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (AL)

Hello, We have a personal loan with SoFi and in late XXXX & XXXX were unable to make some of our loan payments. We let SoFi know that we were struggling due to my job loss and we had never been late on any other loan ( please see credit report for confirmation of this ). We tried to dispute this through each credit bureau to no avail. Weve done this multiple times but each time SoFi does nothing to remove the 3 negative late payments on our credit report. I have been able to get a couple jobs in my industry throughout COVID however there have been many layoffs. SoFi has allowed us at least twice to pay less than our full payment, which has helped but at this point they said there is nothing more they can do for us, even though I lost my job last year. The last time I spoke with a representative at SoFi I asked her am I supposed to pay you instead of my mortgage and groceries? in order to not have another late ( s )? She basically shrugged my statement off. Now I am blessed more than many others in this country and around the world that my husband does work, however we still cant pay our monthly bills without me working as well. I have over {$90000.00} in student loan debt to pay, etc, etc. I need SoFi to do the right thing and remove the lates it is showing erroneously on our credit report. This company has been terrible to work with and does not have the consumers interest at heart. If this is happening to myself, I can not imagine how it might be affecting other families out there who are struggling to maintain their credit scores but keep food on their table.
Consumer complaint received 2022-04-17
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  # XXXX & Credit Acceptance # 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-19
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. (NJ)

Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on XXXX XXXX and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX XXXXXXXX XXXX bankruptcy  has violated my right 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 Its also stated consumer reporting agency without my written instruction
Consumer complaint received 2021-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

Well this is about the bank being told about a Person who committed mortgage fraud with them. And Even with all the information you would need to open and close an investigation in less then days if you included filing paper work. Umpqua Bank did not start any investigation into it. XXXX $ owner occupied HELOC were the owner was already closing on their new more expensive home on XX/XX/XXXX and the Heloc Closed XX/XX/XXXX. had new tenants in XX/XX/XXXX and still reside their and owner is 1 mile away. Told Umpqua who does not offer ANY income property loans the loan number and all information stated here. told them new tenants name and the person who committed the fraud is a commercial loan officer for another bank and full aware of the repercussions if institutions cared about white collar crime. But no investigation or effort. But everywhere I look is an article about stopping fraud?
Consumer complaint received 2017-01-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. 

They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. 

I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. 

Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. 

Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2022-04-17
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. (GA)

N accordance with the Fair Credit Reporting act XXXX Account # 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 furnish a account without my written instructions.
Consumer complaint received 2022-04-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

One of the first and most glaring issues is in relation to the underlying contract signed by myself, XXXX XXXX, and my daughter, XXXX XXXX. On XX/XX/XXXX, believing the contact at hand was final, we took possession of the XXXX  XXXX XXXX. According to XXXX XXXX of XXXX- on XX/XX/2021 we needed to return to sign another contact as the contract at hand was not final and that XXXX  required a three year maintenance warranty to complete the transaction. This was an obvious attempt at tie-in-selling for a lower payment ( Anti-Trust ) and was part of the spot delivery scam being executed by the dealership. 

As indicated while on the phone, all of which are recorded conversations, we did not want an additional warranty nor the original extra care warranty. It appears, from XXXX XXXXXXXX account XXXX, those wishes were not honored. Shortly after refusing to sign more paperwork, XXXX XXXX texted that the payment was lowered to {$800.00} and we would need to sign new paperwork... again. Sometime thereafter on XX/XX/XXXX the account became {$810.00} with the warranty tied in to the price. 

During the phone conversation on XX/XX/2021 the money factor / interest rate was requested numerous times and those requests were refused. A full payment breakdown was refused because it would require too much time to print off. To date we have never seen the final documentation and XXXX XXXXXXXX claims XXXXXXXX XXXX  is in possession of the warranty documentation. 

It has also come to my attention during the investigation of these issues that the trade in vehicle was undervalued by nearly {$3000.00}. The vehicle trade was based on BASE MODEL pricing, but the vehicle, which is evidenced by screen-capped and recorded sales offerings on various websites including XXXX XXXX pre-owned wesbite, was sold as the XXXX  MODEL. At this time the vehicle has been sold for {$17000.00} according to the BMV online. 

This entire transaction has been a farce. The documentation provided at the dealership had no proper notice of cancellation and no rights were given to alter the transactional documents without approval. There are also multiple forged signatures on the warranty and contract provided by XXXX 

We have tried for months to get the dealer and lender to correct the issue, with the dealer offering to pay for " months '' of the lease, but that is in adequate given that the loan is not legal.
Consumer complaint received 2022-04-17
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  the following accounts/inquiries has violated my rights, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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.
Consumer complaint received 2022-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (NC)

TrueAccord reached out to me to pay a debt to XXXX. they offered a discount with just removed their fees. I paid the amount in full and it's been over 30 days and they have not paid XXXX for the debt. XXXX stated they have not recieved payment and the company has stopped returning my emails.
Consumer complaint received 2022-04-17
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. (RI)

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

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
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. (RI)

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

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Vehicle was repossessed and/or sold by the lender. The negative amount still remains on my credit report. Most recent modification made was in XX/XX/2022 by the finance company. The amount seems to change and that how I'm made aware of the modifications by the lender.
Consumer complaint received 2022-04-17
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. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2022-04-17
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. (FL)

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.