davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

And # submitted to you already # XXXX was a nightmare still is. I got physically harmed to attys shot me in my arm. I believe. 
Experian received my dispute they granted me XXXX of my report failed to keep there truth removed after it was all done with due process. When consumers closed the complaint. As as walked a way they removed the XXXX and all the other agreements they made they did not follow thru. Back to square on XXXX XXXX did the same thing refused to give me my report XXXX too then there's a statement saying class action suit for XXXX experian data breach of XXXX XXXX dollars XXXX XXXX in security alone .no one filed a complaint time I did XX/XX/XXXX B 's all futious names. They sent me a cheap post card XXXX. Ok incorrect name .be careful there in your office moles. hacked in bank accounts Look I'm in a serious fight here this is bull I have the documents on this also fraud case that belongs to those defendants Atty. All directed about them. I won bottom line here the info please look into this I do not trust anyone either they took my home my car. lied to!? lied to all my of creditability there's XXXX lawyers XXXX and XXXX XXXX are dangerous and I want them off this suit action this suit and pay me quite dancing I'm hurt physically they made me sleep in a storage XXXX  even XXXX  my daughter put her in a institution.serious. I'm not crazy I know how crazy it sound but im not backing down XXXX. Bar asst. Needs to be contacted also about these two they lie stink nasty think there smart. hacked paid XXXX to hit me by a co car $! shot me! Yes a XXXX there pathetic and desperate. stole money sent fake emails lied to unemployment had pretend to be an agent take my info and disabled my income so I would give up played XXXX cop bad cop XXXX XXXX desperate XXXX did that! financially broke I want l legal action as giants them I swear by on XXXX. Bribery maybe too judge tamper whole case wolf Atty both are XXXX to nievey.
Consumer complaint received 2021-02-26
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (OR)

My father passed away XX/XX/2021 on XX/XX/2021 @ XXXX XXXX  PT I left a voicemail for Novad requesting a all back and for further information on the reverse mortgage, their voicemail states a call back within 48 hours. I called back XX/XX/2021 @ XXXX XXXX PT, left another voicemail. On XX/XX/XXXX after still not receiving a call back I contacted reverse mortgage solutions and the verified the correct number for Novad and advised to contact Novad again, I emailed XXXX XX/XX/2021. XX/XX/2021 after still no response from Novad via email or telephone I again tried calling @ XXXX XXXX  PT, I waiting on hold for 45 minutes to get disconnected, I then immediately sent another email to XXXX, and as of todays date XX/XX/2021 I still haven't received any response.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IN)

Coinbase!!! On XX/XX/2020 around XXXX XXXX my phone service has been turned off and come to find out someone ported my phone number from XXXX XXXX XXXX to a XXXX  number in Ohio at a third-party store. Once they were able to do that they gain access to my Coinbase account and wiped it out. Changed all my passwords to emails, XXXX XXXX XXXX and other. I tried to contact Coinbase and havent been able to get access to my account since. We have communicated via email but Im sure it is with a automated system. I cant log back in and I wanted to know why it was so easy for someone to change my password without my my 12 word phrase. Or showing ID. I recently talk to my lawyer and he told me this was the best way to go about getting some info. I guess no one really knows the policies on cryptos yet, I was told Coinbase was regulate it and I may be able to get my cryptos back.
Consumer complaint received 2021-09-16
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)

Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan XXXX never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.
Consumer complaint received 2019-03-18
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. (CA)

On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on Experian credit bureau he made his phone primary also created an alert / freeze under that phone number
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I complained via letter to TransUnion about violating the fair credit reporting act and several consumer laws on the behalf of myself. They claimed it as a credit clinic/ Credit company which was false. All of my personal information needs to be disputed, along with the repeated charge off, collection and several hard inquiries. Ive complained to the XXXX as well. Proof attached.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, My name is XXXX and I was recently a customer of capital one until some recent fraud activity occurred on my account, and Capital One decided to end their relationship with me. On XX/XX/XXXX someone accessed my capital one account changed my password and attempted to transfer XXXX from an account and XXXX, but I was able to cancel both transactions before they were completed. At the time of the incident I reached out to capital one to make them aware but nothing was done about it, I only experienced unprofessionalism, and was just told to change my information but that was just the beginning. After that IncidenXXXX weekly I would notice I was unable to login to my account because someone continuously kept changing my password and contact information. Finally on XX/XX/12 I was out with friends swiped my card to purchase something and the card was declined. I then attempted to log into my account and I noticed my password was changed again, so I was finally able to get access and noticed several transactions which were XXXX transactions that were sent to someone lowering my bank balance. There was a total of XXXX transactions that was sent totaling about {$190.00}. When I noticed this I then contacted capital one fraud, and from start to end there has been an extreme lack of professionalism and empathy. Missing the funds is one thing, but the level of violation I have felt because of the lack of protection on my account, and the way it was handled when I notified them I was a victim of fraud has been insult added to injury. After banking with capital one for years and being told that they have decided to end their relationship with me has been extremely frustrating and disheartening. This was not done by me, I have never given anyone access to my phone nor my online banking information, are my bank account information. At this point I am at my wits end and would like this further investigated, because I'm certain Capital One Bank is not thoroughly investigating this matter, and to avoid any other Capital One customer going through this I would like something done about this company, and my money back. 


Thanks XXXX
Consumer complaint received 2018-02-20
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)

My credit report now has 42 inquires all of which are fraudulent. i have advised Experian XXXX and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXXNever Applied XXXX XXXX- No Knowledge XXXX XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Consumer complaint received 2023-03-10
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. (PA)

In accordance with Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.
Consumer complaint received 2019-03-18
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: SYNCHRONY FINANCIAL (MD)

I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SYNCB/CARECR with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I SUBMITTED MY COMPLIANT AND THEN I RECEIVED THESE LETTERS STATING THAT SOMEONE ELSE SENT THE INFORMATION. I SUBMITTED THE INFORMATION FOR MYSELF.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (GA)

So, we have had service with XXXX for almost a decade at two different primary residence. We sold our house in early XX/XX/XXXX, and moved my family ( XXXX young daughters, XXXX wife, and myself ) into my parents basement for XXXX  months while our new house was being built. 

In the meantime, I called all of my service companies ( cable, power, security, etc. ) to let them know about the move. They were all great, with the exception of XXXX. The customer service rep said I could just take the equipment since it was basically paid for and contact them when we move for new service. They informed me that they would suspend service since we werent under a contract and we could reinstall at the new residence. 

During the in the basements months while we were awaiting our new house to be built, XXXX constantly harassed me to pay them, saying I broke a contract - which I disputed even existed. Finally, I spoke to a supervisor who said they would handle it and I shouldnt be bothered again. They apologized and said they hope Ill consider using them again once I move. 

I thought it was taken care of until I received a letter dated XX/XX/XXXX from Tate & Kirklin Associates , Inc. sent to my parents address, informing me that we owe {$730.00}. 

This is a bit outrageous, as we were current with our payments ( never missing even one ) when we moved. I was informed we didnt need to worry about this and it was an erroneous item from XXXX XXXX
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have tried to get dispute items on my Equifax credit report for 9 months. Every time I call Equifax no one from the company can access my report. I have ask to speak to supervisor or anyone that could help and Im always told that they can not pull a report for me. Ive also been told it was an error on Equifax part and it would be fix. As of today Im still having the same problem. Equifax can add things to my report but cant find my report when I call. This is very frustrating that it cant be resolved.
Consumer complaint received 2019-03-17
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: WELLS FARGO & COMPANY (OH)

Historically, I have had a high credit score of XXXX. Last XXXX, it appeared as though Wells Fargo had double-deducted my monthly HELOC auto deduction from my checking account at XXXX XXXX. 

In an effort to protect me, XXXX XXXX  stopped auto deductions from Wells in excess of a certain amount in XXXX of 2018. The process for investigating with Wells Fargo was arduous an they did not help. The process took almost a year. By XXXX of 2018, I had changed HELOC accounts at Wells Fargo and was told that I would be all caught up and no negative credit determination was made. The is not true. My credit was slowly going down to XXXX. Again, I got on the phone with Wells and they told me they would cover the " {$200.00} '' interest that was accruing in a sub account that I never authorized to be opened. I went on to simply pay the disputed amount by year end. I never accepted responsibility for the error but I wanted to save my credit. Unfortunately, Wells Fargo continues to report to XXXX that I'm " behind '' in mortgage payments and It's is adversely affecting me. XXXX investigated and Wells said I was not paying in a timely fashion. I have statements that show the monthly bill has been paid.
Consumer complaint received 2021-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

on XX/XX/2021 Paypal issued a decision whereby they refunded a previous tenant whom was renting my property a refund in the amount of {$1800.00} for the month of XXXX rent. The buyer paid me ( at his request ) the monthly rent payment via paypal. He lived in the property the entire time up til XXXX the day of his last rent payment and fulfilled the occupancy terms of the lease. Payment for lease = Time lived in property. He used his last payment date as the transaction he opened a dispute against me stating he had not received his security deposit back yet. First he left the property with significant damages while also I followed the Georgia OCGA code ; which states that if the tenant does not provide a forwarding mail address that I then must mail him a copy of the moveout inspection report with final accounting provided. ( It was stated in writing that he must provide forwarding mail address for final security dep if any due to be sent to, and 2. it was stated that he should participate in a move out inspection of the property 3-5 days at max after vacating. He did NOT do either. I provided the lease contract which stated these details to paypal and he paid his security deposit via a personal check drawn off renesant bank with memo note indicating security deposit. I also provided a copy of cleared check to paypal. They stated I needed to provide tracking number for shipment. I asked how or what I could get this information from as it was impossible to obtain considering the circumstances. I did provide a copy of text messages from the tenant showing where they texted me the date they vacated telling me it was empty and they were moved out. None of this helped and after 3 calls to paypal desperate for help they still gave him a refund of {$1800.00} now i owe paypal {$1800.00} and I need help to resolve this matter. one that paypal never should have been involved in to any regard, as well the tenant fraudently disputed his rent payment which he received occupancy of the property for the entire time. His security deposit was paid via a personal check not paypal and he stated in his dispute he was seeking his security deposit back. Which again the amount of damages he left when vacating was substantial and I am taking him to small claims court to resolve that matter
Consumer complaint received 2023-04-06
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXXXXXX ( Original Creditor : CITY OF XXXX XXXX FIRE DEPART ) XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and your assurances, these fraudulent charges persist, causing me undue stress and financial concern. 

The prolonged existence of these fraudulent charges not only damages my financial credibility but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is unacceptable that despite my repeated efforts, these fraudulent charges remain unresolved. 

I demand immediate and effective action to remove these fraudulent items from my account permanently. Additionally, I expect a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I insist on being compensated for the inconvenience, stress, and potential financial harm caused by the persistent presence of these fraudulent charges on my account. 

I urge you to prioritize this matter and take all necessary steps to resolve it promptly. Failure to do so will leave me with no choice but to escalate this complaint to relevant regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX