davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (TX)

I took out an auto loan from Navy Federal in XXXX of XXXX for the purchase of a new vehicle. Due to the global pandemic I was unable to register the vehicle. I had an appointment in XX/XX/XXXX, but was unable to register the vehicle at that time because I do not have the title paperwork once again GLOBAL PANDEMIC. I notified Navy Federal about this, and did not hear from them on this matter any further. Today I logged into my Navy Federal account to schedule my next payment, and low and behold the interest rate went from 4.25 % t0 16 % with no notice. The extremely rude agent on the phone says the only notification I received about this was in the disclosure documents, and essentially acknowledged I didn't receive any further notification from Navy Federal. I also did not hear from Navy Federal further after notifying them in XXXX of XXXX. I have made all of my payments on time since taking out the loan, and now my payment is 50 % higher than it was last month literally overnight.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (KY)

I have contacted tall three credit bureaus to have them fix my credit score. I have 9-12 good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-22
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)

This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian and XXXX is still reporting XXXX XXXX  as late or missed payment this account is supposed to be reported as good standing as everything including late fees was credited to this account its reporting account as late which is not accurate and its also reporting two missed payments which is false
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (GA)

In XXXX of XXXX my car was broken into at my apartment complex and my wallet along with credit cards and drivers license were stolen. My credit card was used that night and thankfully I was able to freeze the card and get a new one. I also got a new drivers license. I filed and received a police report. In XXXX of XXXX I pulled a credit report and saw there was an installment loan with XXXX XXXX XXXX. opened in my name back in XX/XX/XXXX ( per credit report ) in the amount of {$2000.00}. Upon speaking with XXXX, this account was used on XXXX XXXX  to purchase many car parts ( parts that are not for any car that I own, a XXXX XXXX ). I reported identity theft to my local police and received a police report. I reported identity theft with all 3 credit bureaus and filled a dispute with the loan company XXXX XXXX XXXX as well as with Experian. 

XXXX has concluded, as of XX/XX/XXXX, I was still responsible for payments even though I have no knowledge of this loan or who could have possibly opened it. I provided XXXX, XXXX with copies of both police reports, an Affidavit they made me fill out and a copy of newly issued drivers license. Still no luck. 

I have a credit report from XX/XX/XXXX which still does not show the loan with them which is why I was not able to catch the error until XXXX.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (FL)

After countess years of dealing with misinformation and incorrect statement information a repossession occurred. West Lake financial regained possession the vehicle.At this point I owe {$6000.00}. After sometime I noticed the balance increased to {$6100.00}. After reaching out several time to answers I was met with a court order. I was baffled because I no longer possessed the vehicle. The court date finally arises for myself and West Lake Financial. I am waiting for over thirty minutes. The judge dismisses the case due to a failure to show up ( West Lake Financial ). I was given court documents to prove it was dismissed. I received and alert from my credit monitoring service stating that the balance once again increased. The increase occurred between XXXX and XXXX.
Consumer complaint received 2022-06-06
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: CarMax, Inc. (TX)

There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (OH)

original creditor was XXXX contacted this company several times with no written response that i never received written notice of this debt or any signed contracts by me to validate this debt, the date this account was originally sent to collections and an itemized breakdown of the debt i dont even know what the debt is for or why they say i owe so much. 
this company has never sent proof of debt, a signed contract or notice they were seeking collections and why.
Consumer complaint received 2022-06-06
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. (TX)

Account XXXX Amount {$750.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

I have attached the company response.
Consumer complaint received 2022-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On the morning of XX/XX/2022, my cell phone services was mysteriously turn off. I called my cell phone service provider and was told that there was a glitch in their systems. Moments later I tried to log into my bank accounts, emails and stock accounts. The only account that I was unable to log into was Coinbase App. For some reason I was lock out. Later that night I tried again to gain access to my Coinbase App account and I receive a message on the Coinbase App saying I had to wait 24 hours to sign back in to change my password. After waiting 24 hrs and receiving an email from Coinbase about my account recovery I notice that there was over 100 other emails from Coinbase stating that I sold and transferred almost {$16000.00} of Crypto from an Coinbase Pro account. Problem is I never had a Coinbase Pro account. I reach out to a representative at Coinbase around XXXX XXXX on XX/XX/2022 to try and resolve the issues. I was assign case # XXXX and was told to complete an identity verification process, which will take another 48 hrs to to be verified. Tired and stress I waited to the next morning to complete the verification process. Not shortly after I recieved an email stating they was unable to verify my identity. I call Coinbase again in regard to my id and the fraudulent transfers on my account. I recieved and email from Coinbase stating that an hacker had access to my password, XXXX XXXX security codes and my email via a hyperlink sent from Coinbase. On XX/XX/2022 I received an email from Coinbase stating my account recovery was successful and I was able to sign into my Coinbase account. On XX/XX/XXXX, I spoke to another Coinbase Rep and ask how was my crypto transfer from a Coinbase Pro account and which I dont have. This representative seem to be helpful but somehow our phones connection was disconnected. Shortly right after, I recieved an email with case # XXXX stating our phones was disconnected. I immediately call right back and was transfer to another rep. And again our phone connection was disconnect. Also recieved and email with case # XXXX stating our phones was disconnected. Seem odd to me that our phone connection was being disconnected. I called Coinbase a couple of more times to try to resolve this issue and all they keep saying is that once crypto crosses over a block chain there is nothing that they can do. I have been told by at least 2-3 Coinbase representatives that they see that I do not have a Coinbase Pro account. And one representative ask me how did I know the my crypto was transfer from an Pro account. I told the rep again about the emails. This has been a very stressful time for me dealing with Coinbase. It is not a coincidence that my phone services was turn off the same day and time my Coinbase account was hack. This statement is true to the best of my knowledge, as I was very stress at the time trying to remember the order that these events toke place was hard.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (DC)

I used AFFIRM to purchase shoes from XXXX XX/XX/2022 for over XXXX the shoes that arrived weeks later were clearly defects and not in standard condition. nothing of the shoe 's defects were stated in the ad. I raised issue with XXXX via chat 6 minutes after delivery, stating clearly that these shoes were highly unacceptable and that I did not want these shoes in anyway. I then notified Affirm and activated a " chargeback '' XXXX proceeded to XXXX me, stating that there is nothing that i can do about, they will not accept a return and that the only recourse was that I RESELL through them to someone else as they make profit again from the shoe. this practice is extremely low and dishonest. i've been fighting for the past few months to receive my refund. I reached out to Affirm, the credit card I used and sent them copies of the email where XXXX admits to the defective shoe sale. Affirm offered no protection to me as consumer, most likely because they are getting paid from the sale as well. both companies are extremely untrustworthy. 

Affirm asked me for evidence ( pictures and email where XXXX admitted to the defective item ). I provided Affirm with everything they asked for.. yet they decided that it was within XXXX 's parameters to sell me defective and fake shoes. I then found out that Affirm considers XXXX a " retail partner '' so i see why they decided to side with XXXX  in this matter. I have 2 recorded phone calls from Affirm, where their own supervisors are shocked at the decision of the resolutions team, seeing the evidence that was provided.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

This will be a respond from an earlier complaint ( ID # XXXX ) I filed last week. thank you for the quick turn around. I received a copy of my EXPERIAN Consumer report after the first complaint. I see multiple names, addresses and Social Security Number. I disputed those information on my report back in XX/XX/2021 with no resolution. A copy of my report will be uploaded below.
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (MO)

On or about XX/XX/2022 I contacted Sun Loan Company XXXX Mo and asked if they would be willing to do a " cancellation of debt '' 1099c which is a tax write off for them! They called corporate Sun Loans and then called me back and said No they won't be doing that for this old debt. Then days later I get a alert from my credit report that Sun Loans has added a remark to my credit report and it hurt my score. I feel this remark was done in retaliation and friviously with intent to harm my score even further. I feel Sun Loans would have never added any remarks had I never called them offering to settle my old debt! They are intentionally attempting to hurt my credit now and even told a third party about my debt when they called back they told my oldest son about it as he unfortunately answered and the rep assumed she was speaking to me! Shame on Sun Loans for this and violation of my rights with the FCRA!
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

I had a business cell phone account with XX/XX/XXXX in the past. After being a customer for 7 years and had so many issues I decided to close my account and move all my lines to another company. 

At that moment I had a balance of XXXX corresponding to EIP phone installment plans, which was paid in full on XX/XX/2021. 

In order to close my account and unlock my numbers the amount had to be paid in full. 

7 months later I'm receiving a collection letter from Amsher Collection Services , IncXXXX stating that I owe a balance of {$760.00} to XXXX which is impossible considering my account was succesfully closed after my full balance was paid. 

I contacted this agency by phone to explain this and no one was able to verify this debt. Now this collection has been reported to the 3 credit bureaus affecting me a lot since I'm getting prepared to buy a home in the next 4 months.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-08-17
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. (NY)

I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681. 

XXXX is governed by 15 U.S.C 1681. They have violated my rights numerous times. I demand that these accounts be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give XXXX written permission to furnish these accounts. These accounts have been litigated and balances reported are incorrect. Both of these accounts have been closed and delinquent past the statutory time allowed to be reported. The company reporting these items hasnt submitted a closing date because it proves that the accounts are in violation of the statutory law. There hasnt been a thorough, reasonable, or fair investigation. If there was these credit bureaus would have noticed the violation and corrected it XXXX recognized the inaccurate information and removed them. Ive submitted enough legal documentation for them to do a fair investigation XXXX XXXX XXXX XXXX XXXX  ) are the items in reference
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (FL)

I recently submitted a dispute request but it was believed that not enough information was provided in order to proceed with the dispute. I am resubmitting again with a few documents attached hoping the accounts on my consumer report can be deleted as of result of a proper investigation.
Consumer complaint received 2022-06-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I called TransUnion to remove the following unauthorized Hard Inquiries and they failed ton remove them as they were given an FTC report. 
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
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (TX)

There are four ( 4 ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc. (IN)

They have been contacting me for months about a debt that doesnt exist. When I did finally talk to them, the man was incredibly rude, demanding personal information before he would even verify that he was calling from a debt collection agency. He just kept saying that he was calling from the CBE group and when I asked if that was a debt collection agency, he proceeded to raise his voice and kept repeating that he couldnt say what he was calling for unless I gave him personal information.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-19
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)

The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

-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
Consumer complaint received 2022-09-19
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. (FL)

The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

-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