davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting 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 never had a XXXXXXXX XXXX XXXX. So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NC)

calls from : Owner Info for XXXX Landline Near XXXX, Ohio Issued by XXXX XXXX XXXX - Oh could be collection company called Diversified Consultants. Diversified Consultants, Inc. is one of the nation 's leading Telecom-specific collection agency specializing in the recovery of Wireless, Landline, Cable, Satellite and Security debts. 
Looking for a person named XXXX XXXX. I think I have had the same phone number for over 10 years and for 10 years at least 10 companies have been calling an asking about the same person. You would think that by now someone would suspect that XXXX XXXX is never going to answer. 
But what is worse they initiate voice mails with no messages. And call at least once every day. Surely some new laws and rules should be put in affect that can limit the amount of years to hunt someone down by phone numbers ... I 'm sure the money spent trying to collect this debit is 10 x what the ordinal debit could have been. 
Do n't removed the name named XXXX XXXX - she needs to know the far reaching consequences of her lame XXXX actions.
Consumer complaint received 2024-10-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Hard inquiries that am not aware of an thats a violation of consumer rights XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Hard inquiries thats am not aware of and thats a violation of my consumer rights XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Hard inquiries that am not aware of and thats a violation of my consumer rights XX/XX/XXXX Experian XXXX
Consumer complaint received 2017-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am a victim of THEIR inquiry issue. Transunion had a server error in which they did not follow the legal process, and fraudulently added inquiries on to my account that do not belong to me. I now have a fraud alert on my account but yet they will not remove the fraudulent inquiries. 

I called and spoke to a customer service rep in which they refused to acknowledge the error. 

These inquiries are fraud and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (SD)

switch two step verification to authy worked the first time but never again. 
have called and been hung up on. 
have emailed but not response have used the computer camera to verify my identity but got no response. 
What in the world is going on with you? 
I just want to log in to my account.
Consumer complaint received 2017-12-05
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. (FL)

I have this security XXXX XXXX prepay card ( XXXX XXXX ) for year I always pay in full and in time but in XX/XX/XXXXwhen the hurricane Irma pass to XXXX where I live now I was out my job for half the month and it was impossible to me to pay that month them the report to my all credit report do n't care that was my own money now I do n't want to closed this account and i want speak with them but is impossible
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking Fraudulent Accounts and Removal of Unauthorized Inquiries Due to Identity Theft ( 15 U.S.C. 1681c-2 ) Dear Experian, I am writing to request the immediate blocking of the following fraudulent accounts and the removal of unauthorized credit inquiries from my credit report due to identity theft. 

Fraudulent Collection Accounts : 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 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 XXXXXX/XX/XXXX Please block the above accounts and inquiries and provide confirmation once this has been completed . 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report, Government ID, Proof of Address
Consumer complaint received 2017-12-13
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: SYNCHRONY FINANCIAL (GA)

I do NOT have a signed contract nor any contract with SYNCB/XXXX, Walmart or XXXX XXXX XXXX I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: STATE FARM BANK, FSB (GA)

We have had so many problems over the past 3 years with XXXX XXXX XXXX XXXX and our rep was never available. It amazed us when out of no where our rep XXXX XXXX shows up to try to refinance our cars. My husband did his and told him he would have to talk to me because our loans are separate and that honestly I did not want to work with him. For days he emailed me and harassed me at my job. When he offered me a loan I could not refuse knocking a year off my loan at the same rate I agreed to meet with him but told him only if I could see the paperwork. When he arrived, he provided not paperwork. He told me he just needed my signature and my bank information and I was " all set. '' When my payment did n't come out I was concerned. Then my husband started getting calls on my car loan I had it and called to file a complaint. When state farm bank called me back I learned not only was my payment higher than agreed I learned my husband was on my loan. I never did an application, at no time was I asked for a co-signer, it was all very odd and rushed. My husbands credit has now taken a hit due to two car loans and we were trying to buy a house soon. Even State Farm Bank admits that some very unethical things transpired but they are not offering to fix it. If I needed a cosigner my mother would have done it for the right refinance and rate. I still do n't have paperwork on my refinance or what fees I was charged. I never did an application or signed to have my credit pulled. How can this happen. My husband swears he only signed for his loan ( or so he thought ). Very unethical practices all for a little commission. I have hired a lawyer.
Consumer complaint received 2024-10-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (MI)

To Whom It May Concern, I am writing to formally lodge a complaint against Navy Federal Credit Union ( NFCU ) regarding the denial of my auto loan application. The reason provided for this denial was alleged delinquencies and unverifiable information on my credit report, which constitutes public information. As a longstanding member of NFCU, I applied for this loan in good faith and have exercised my consumer rights throughout the application process. NFCU 's failure to comply with federal regulations, including the Consumer Credit Protection Act ( CCPA ) and relevant statutes under Title 12 of the U.S. Code, has resulted in undue harm to my ability to obtain credit.

Denial Basis and Lack of Transparency My application was denied on the basis of unverifiable information and alleged delinquencies. Under Title 12 U.S. Code 5511, financial institutions are obligated to protect consumers and ensure transparency in credit decisions. The unverifiable information NFCU referenced was not fully disclosed to me, and this lack of clarity violates consumer protections afforded under Regulation B ( Equal Credit Opportunity Act ), which ensures that credit decisions must be explained clearly and fairly. I have not received verifiable or accurate information about these alleged delinquencies despite multiple attempts to address this issue with NFCU. 

Good Faith Application Process I applied for the auto loan over the phone with one of NFCU 's loan officers. During this call, I was explicitly asked whether I wished to leave additional notes on my application regarding my consumer rights, which I agreed to and requested. Despite my instructions, the underwriter completely disregarded the notes I asked to be added. This demonstrates a failure in NFCUs internal processes and underwriting standards, raising concerns about their compliance with the law under Title 12 U.S. Code 1785, which outlines the obligations of credit unions in ensuring fair practices and diligent underwriting. 

Violation of Consumer Rights NFCU has denied me the right to credit based on alleged negative public information on my credit report, which should be verifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My repeated attempts to resolve these issues have been ignored or mishandled. This violates the Consumer Credit Protection Act ( 15 U.S.C. 1601 ), which ensures that credit is available to all Americans without unjustified barriers or baseless denials.
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass Bank had made a response back to me on XX/XX/XXXX. Compass Bank had admitted to making some errors and overlooked some information. At first Compass Bank stated that I owed them {$3300.00} dollars. Then they had went on and admitted to taking a refund of money back to them from the extended warranty for the car and also a refund on the GAP policy. So then they said that I owe them {$1200.00} dollars. The extended warranty cost was {$2500.00} and the GAP policy was {$350.00}. That would make the total refund that they had taken to be {$2900.00} dollars total. So the amount that Compass Bank had taken back to what they say I owe does not add up correctly. If I take {$3300.00} minus {$2900.00} that would be a total of {$420.00} dollars. So I have no idea how they had come up with the figure of {$1200.00}. The {$3300.00} amount is a figure that is on a letter from Compass Bank dated XX/XX/XXXX yet I did not receive that letter until the end of XX/XX/XXXX. Also seems as though that they had never returned my prescription medication. The cost of this medication is around {$1700.00} dollars for a one month supply. If I minus {$1200.00} from {$1700.00} that would be {$490.00} dollars. This medicine is something necessary for my daily wellbeing.
Consumer complaint received 2017-12-13
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: Bread Financial Holdings, Inc. (NV)

The following inquiry needs to be removed immediately : Creditor Name : XXXX/ XXXX - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Requested on : X/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this
Consumer complaint received 2017-12-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (CO)

I missed a call from a number originating from my home state. Caller did not leave any information at all. I tried to call number back and was put on hold by an automated message system that did not identify itself, company, or purpose of the call. A representative then answered and was extremely hostile. I was trying to find out what this call was specifically about. The caller then started to tell me about some Loan debt, to which I replied I am already being garnished and that I had spoken with another student loan company about making payment arrangements for the remaining loans. The loan ( s ) that this representative spoke about was unknown by me. The caller was becoming verbally hostile and I was only trying to hear more information about these mysterious loans that were under me. The caller then started to tell me about my " poor life choices '' and that I needed to pay these loans immediately. I asked repeatedly to be sent a " Letter of proof '' of these loans. The caller then rudely hung up on me.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (FL)

JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.
Consumer complaint received 2017-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC (VA)

We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from Constar Financial Services, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from Constar the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (GA)

We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to Ally until we dismissed the bankruptcy in XXXX or XXXX XXXX. Ally is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted XXXX XXXX XXXX and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from Capital One, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.
Consumer complaint received 2017-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Collections account of {$130.00} with XXXX XXXX XXXX was paid in full. Contacted TransUnion to have account removed from my credit report. I was told by the call rep that the account was removed and it has not.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (ID)

I was working with Guild Mortgage back in XXXX, XXXX to buy my first home. I had already been approved when I was asked by the lender if I wanted to either close before XXXX XXXX or prepay my taxes in order to qualify for the homeowner 's exemption that would reduce my overall taxes. The lender explained that either way, I would get the exemption and most of my pre-paid taxes would be returned to me at the end of the year when the tax bill came out, as I would be essentially double paying with both my prepayment and my escrow fees. The lender even called my mother to encourage her to loan me the money for these upfront tax payments, which she did, telling her the same thing. We closed on the loan and I moved into my first home. Then in XXXX, I got the tax bill with no homeowner 's exemption. When I called the tax assessor, they told me I did n't file the form before the XXXX XXXX deadline, so there was no exemption, and that they had never heard of anyone getting this exemption by pre-paying. When I tried to resolve this issue with Guild, they told me I had " misunderstood '' and that at no time did they ever say I would get the exemption, and that I prepaid in order to get lower taxes. None of that is true. I have essentially paid twice for the same tax bill, and I believe I am due the money back that I borrowed from my mother and paid up front.