davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (FL)

I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the XXXX XXXX XXXX account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

Experian and XXXX provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

XXXX and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

Experian is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-09
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. (MI)

I kindly request that you provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccuracies in my credit report. 

I specifically want the detail process in which whom XXXX is verifying this information with?? 

XXXX Could Not Possible Verify With The Courts Listed At XXXX XXXX XXXX XXXX As I Contacted The Court Myself ( Written Proof Attached ) XXXX Also Did Not Verify With XXXX ( Written Proof Attached ) XXXX Also Did Not Verify With Pacer  ( Written Proof Attached ) So Please Provide Written Documentation As To Whom You Are Verifying This Information With?? Furnisher Name & Address? & If You Can NOT Provide Proper Documentation Delete Immediately From My Report & Mail Me A Updated Copy
Consumer complaint received 2024-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company:  Lippman Recupero, LLC (WA)

Company is refusing to understand that my devices were compromised and that I did not purposefully take out this loan. 

The actions of depositing the funds into my account and me communicating with the lender happened as a result of identity theft including access to bank account information.
Consumer complaint received 2022-07-23
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: DISCOVER BANK (FL)

On XX/XX/XXXX, I inserted my Discover credit card into an automated pump at a XXXX XXXX XXXX in XXXX, FL and after entering my zip code got a message on the pump 's screen that read " SEE CASHIER '' ; I was in a bit of a hurry and pulled up to the next pump, inserted my Discover credit card and zip code and got the same message on the screen. This time, I went inside and told the cashier, she said that I could purchase gas inside the store. I did not want to do that because I was afraid that I would be charged twice, so I left that XXXX XXXX never having lifted a single pump, or putting any gas into my car a XXXX XXXX XXXX ( only takes gas as fuel ). It should be noted that the gas pump never displayed the typical message when a credit card is authorized to pump gas, such as, " lift handle and dispense fuel. '' About an hour later I got gas at another XXXX XXXX station in another part of XXXX. A few days later, I noticed a pending charge of {$120.00} from the XXXX station where I never pumped any gas. I called up Discover Card and notified them that I did not pump any gas and they told me that the gas station put a hold for {$120.00} and that it should drop off in about a week. That did not happen, instead the charge posted. I disputed the charge, and also appealed Discovers ' finding that I owe the {$120.00}. When Discover sent their letter dated XX/XX/XXXX, only then was I informed that the charge of {$120.00} was for diesel fuel -something I couldn't pump into my car because my car only takes gasoline. I filed a Police Report in XXXX regarding the incident and that my Discover credit card had been used without my authorization, and that this is a fraudulent charge. I had tried unsuccessfully to resolve this matter with the XXXX XXXX station and they just denied responsibility and pointed to Discover Card. Discover Card states a {$0.00} Fraud Liability Guarantee, however, they apparently do not stand behind this policy. I never authorized anyone to pump diesel fuel. I drove away from the XXXX gas station without pumping any gas, either their pump malfunctioned, the cashier didn't clear out my credit card information, or Discover Card made a mistake authorizing the charge. I notified Discover Card as soon as I saw that a charge of {$120.00} was pending, told them that I never pumped any gas and that this was not authorized by me. Discover Card had the opportunity to deny that charge and not post it to my account since I had notified them that the charge was not authorized and fraudulent. I submitted a pdf of the Police Report that I had filed to Discover, even that did not change Discover Card 's view of this matter.
Consumer complaint received 2020-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX of XXXX Lakeview Loan Servicing LLC ( Subserviced by XX/XX/XXXX ) increased the escrow amount on our mortgage loan by {$890.00} without notice, thus adding that amount to our overall monthly mortgage payment amount. The statement attached was posted to our online mortgage servicing/payment account after the escrow increase had already taken place, though it is dated XX/XX/XXXX. 

Due to the coronavirus pandemic and the implications of it, we were then involuntarily put on a forbearance plan. Keep in mind this was without our consent. We were in the process of refinancing with another lender, but were then told we couldn't move forward with the refinance because of the forbearance plan that Lakeview put our account under. At this point, our escrow account was unknowingly emptied and the balance on our mortgage bill had been racked up to total about {$7700.00}. It is believed that Lakeview did this intentionally to keep us from refinancing with another lender. We were not able to get anyone on the phone regarding this issue for approximately 3 months. It took leaving a review on XXXX to finally get their attention and get someone on the phone to talk through the matter. 

After paying off the balance that was left on our account from this error. We sought to refinance from a different lender. On the VERY DAY that we were set to close with our new lender, we realized that Lakeview had intentionally reversed our last mortgage payment to them - making the payment late ( which is obviously not ideal when refinancing as every bit of your payment history is assessed ) and making payoff amount to be sent from the new lender inaccurate. We have never once had the issue of Lakeview and their staff initiating a payment to be returned. Again, we believe that this was done intentionally by Lakeview to keep us and our loan trapped with their company.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEARXX/XX/XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE MORTGAGE
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-05-09
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. (CO)

I contacted Equifax the week of XX/XX/2021 to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with Equifax to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. This is effecting my credit worthiness and my FICO score. Equifax continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

purchased a car with XXXX using capital one financing ( got a preapproval for purchase ) found a car, signed all the documents, XXXX dollars down payment which is what the bank required. in the meantime, i had the new car for about a month and capital one reached out to me saying that they needed XXXX dollars and two days to provide the funds, which was not suffcient time for me. With that said since i had the car a month my application with capital one was set to expire. So, now i had to redo the application and of course i no longer could get a preapproval even though my credit score has not changed except it went down XXXX points. Not only did lose my trade in but they want me to return the car leaving me with no vehicle to get to work with. This has been a complete nightmare for me.
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX  ), XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently check my credit and noticed this debt on my credit file. I called immediately and paid off this debt. I never received any calls, letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

Under Unfair, Deceptive or Abusive Acts or Practices, I the consumer suffered financial injury from Shellpoint Mortgage Servicing. The injury in reference that I the consumer suffered financially was excessive interest and other fees added to the loan. Many changes to the loan occurred and numerous fees in various amounts were submitted to the credit bureaus and law firms yet over {$200000.00} was added the modification amount. 

The excessive interest fees and other fees of over {$200000.00} was added to mortgage amount of {$150000.00}. Initially approximately {$160000.00} outstanding was the amount reported to the credit bureau until Shellpoint removed that amount and underwriting added over {$200000.00} in fees. Also my attorney, XXXX XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX worked on a modification and the amount stated owed was much less and not over {$200000.00} to add to the back of the loan. The modification was sent to Attorney XXXX XXXX from XX/XX/2020 and it took until XXXX before I received the modification after sending the paperwork to the Shellpoint on four occasions. The fees were excessive and to date I have not received request information from Shellpoint justifying or validating the debt. The response and documents sent was basic to my QWR and the following still remains outstanding XXXX Questions # 3, 5, 6, 7, 8, 9, 10, 11, 12, 13, 23 ) from the Qualified Written Request ( QWR ) to make any of verification. This is violation of Section 1463 ( c ) Shellpoint excessive fees were harmful and increases the mortgage amount and terms of the loan. Intial terms was changes from what was sent in XX/XX/2020 to Attorney XXXX.
Consumer complaint received 2020-07-30
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX and   XXXX XXXX XXXX # XXXX. I have contact the FTC and my local police and I am doing this on my own behalf.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I removed the freeze on my credit report and my wife 's credit report with all three credit reporting agencies so that we could apply to refinance our mortgage on our home. Our loan was approved and I wanted to again freeze our credit reports. With XXXX and XXXX the process was easy to do online. With Experian I found that it was impossible using their online site or by calling any of several of their phone numbers. It was impossible to talk to an agent. They do not answer their corporate headquarters number listed as ( XXXX XXXX XXXX. It should not be that hard to freeze a credit report. 

Please you good offices to require Experian to make it easy to freeze and unfreeze credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

Dear XXXX Staff, My husband, XXXX XXXX opened an account with Coinbase, a crypto exchange based in XXXX XXXX. 

His account is linked to his XXXX email address. 

On XX/XX/2020, the balance of XXXX 's account was {$1700.00} reflecting the value of XXXX UNI ( swaps XXXX in his e-wallet.. 

On XX/XX/XXXX XXXX 's account with Coinbase reflected a XXXX  balance. He had not conducted any transactions and has the screen shots reflecting the XX/XX/XXXX balance of {$1700.00}. 

XXXX submitted an email to Coinbase asking for support and no one has responded. 

He called and no human answers their support line. 

I also sent an email to the XXXX address and received no reply. 

This seems a common complaint against Coinbase and on its own XXXX page there were approx. 600 negative remarks about no customer support, and consumers having lost funds. 

Further, Coinbase states in its FAQs that it is registered with XXXX. XXXX does not do market conduct supervision and I believe this statement misleads consumers, and falsely reassures them that Coinbase is a legitimate enterprise. 

It is my opinion that Coinbase is either grossly negligent in the handling of consumer funds or purposefully engaging in a pattern of fraud/theft. 

I have already complained to XXXX which basically told me to go away. 

I submitted a complaint to the SEC and received no reply. 

Could the XXXX kindly investigate as it appears numerous American consumers have lost money on this site -- further, I would be willing to bet that if you check with the FCA and other financial regulators that they too are receiving complaints from consumers. 

Thanks in advance. 


Regards, XXXX XXXX, XXXX.
Consumer complaint received 2018-05-10
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)

Ive contacted Equifax several times regarding this issue. I have never had a loan with XXXX XXXX XXXX. My identity was stolen and accounts opened in my name without my consent or knowledge.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is reporting a charged off account in my name that is the result of identity theft. They recently verified the account as accurate. The FAILED to provide me with proof of the debt, my signature on the original contract, original terms of the account, any proof that the account belongs to me.
Consumer complaint received 2020-12-15
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. (FL)

I HAVE HAD A CHANCE TO CAREFULLY REVISE MY CREDIT REPORT BUT TO MY SURPRISE I DISCOVERED SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS REPORTING ON MY CREDIT BUT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIIES AND HAVE THE REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE UNDERSTAND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST.
Consumer complaint received 2022-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DE)

Freedom mortgage became servicer of mortgage originally from XXXXThe numeric of the address is/has been incorrect. The correct street address is XXXX XXXXXXXX XXXX XXXX.Incorrect address is XXXX XXXX XXXX XXXX.Fema ( gov agency ) has my flood insurance at the XXXX XXXX XXXX XXXX XXXX insurance has our hazard insurance as XXXX XXXX XXXX XXXXWe have 2 properties with border ( XXXX XXXXhome on it ) .Freedom will not recognize the XXXX Fema or XXXX from XXXX XXXXThey threaten to place forced flood and hazard insurance on our vacant lot.We have spoke with them numerous times.Sent them property records info from our county, showing XXXX with home,XXXX vacant.original mortgage show s on exhibit A of said, incorrect number address but correct nm mapping number.We have not been able to convince them to change number of address, so our escrow can be used to pay flood insurance, property taxes and hazard insurance.We both have XXXX scores upper 800 's and have never missed any payments of any kind.I feel Freedom is not listening to us, is about to enter into fraudelent billing for flood and hazard insurance on a vacant lot.Our escrow account can't be used, I feel unjusifiably.We would like the CFPB to intervene and possibly file suit on our behalf to solve our issue.Very frustrating to get no where with them after giving them information. Thank you. XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX
Consumer complaint received 2020-07-30
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. (TN)

I LIVE IN XXXX, TN BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS
Consumer complaint received 2022-03-03
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. (MI)

in 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