davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (DC)

i lived at XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Md XXXX.in 2015. In XX/XX/XXXX i asked for a different unit as i did not get the unit i was shown. XXXX the property manager told me i was free to leave.Then on XX/XX/XXXX they sued to evict me for nonpayment of rent. It was thrown out. I left in XX/XX/XXXX. XXXX XXXX the owner of the building represented them in court.
i received no notice of case being filed against me The rent was {$1700.00}. NOw the debt collector is demanding XXXX. I have no idea how they came to that figure. They started calling my daughter thi s XX/XX/XXXXand i found their address..
The debt collector is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Fla.XXXX. i contacted a lawyer have not heard anything so far. they have ruined my credit and i have no way to handle this
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (LA)

I have received so many call about student loans.. and have spoke to someone and that said the took care of the issue since I have made arrangement. Yet I still get call. Just to also find out that they were also calling my mother 's house.
Consumer complaint received 2017-08-05
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: ID Analytics, Inc. (NC)

XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On  XX/XX/XXXX , I received a letter from   XXXX   XXXX  . It states that SageStream , LLC used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have   XXXX   to find out how I can get a better resolution.
Hope this will be the best result.
Thanks
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE DOCTOR BILLS FROM FAME AND XXXX XXXX WHICH ARE MY ADULT SONS BILLS FROM WHEN HE WAS AN ADULT ON HIS OWN. ALSO I HAD INSURANCE AT THE TIME THE XXXX XXXX BILL FOR MY DAUGHTER UNDER XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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. (CA)

It came to my attention on XXXX XXXX, 2017 that Equifax experienced a databreach. In order to check if my SSN was compromised, the site they are endorsing is requiring that i waive my right to file a lawsuit against them before I know whether I am affected. The website they are using is obviously a third party domain name which itself is extremely sketchy and uses third party security certificates which is terrifying from a cyber security standpoint. I dont even know if my last 6 digits of my SSN are actually being sent to equifax or a third party company hired to handle this breach. it 's not difficult to guess the first 3 digits, thats only 100 different combinations of single digit integers 0-9. The leak happened a month ago, but they didnt make a public statement until now. There is so many things that seem off and I dont know what to do right now. The solution they have is to offer a typically paid service to protect my identity for free for a year, but this data breach will effect my SSN for the rest of my life! How is this even fair???
Consumer complaint received 2017-08-07
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. (NJ)

I saw on my transunion credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with transunion. They did not remove the fraudulent account from my report.
Consumer complaint received 2017-08-05
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: MIDCOUNTRY FINANCIAL CORP (AE)

I was going over my credit report and saw that a company pulled my credit 3 times and they had no authorization to do so. This is illegal and is a violation of my privacy. This has also had a negative impact on my credit and is causing the process of obtaining a mortgage loan to be a bit more difficult.
Consumer complaint received 2017-08-05
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. (NC)

XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

PORTFOLIO RECOVERY ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.
Consumer complaint received 2017-08-05
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: U.S. BANCORP (CA)

I applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.
Consumer complaint received 2017-09-08
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. (IN)

Equifax was subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).
Consumer complaint received 2017-08-07
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. (TX)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
Consumer complaint received 2017-09-08
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. (WA)

My information was among the data hacked from Equifax. Equifax not only failed to immediately report this security breach, they waited until after selling stock to do so. A security breach is an unfortunate risk we all take ; improperly responding to and reporting the leak is unacceptable.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KS)

I am submitting this complaint because the credit bureau, Experian, is reporting a debt for XXXX XXXX  inaccurately. It was included in Chapter XXXX bankruptcy. I contacted Experian years ago about this and it was removed. The creditors received notification from the bankruptcy court that my Chapter XXXX debts were discharged. Unfortunately, since my bankruptcy was discharged over 10 years ago, I no longer have all of the records to locate the date of when Experian was contacted and when the debt reappeared on my credit report. I only realized recently when I pulled my annual credit report. Along with this complaint I am uploading a screenshot of the XXXX XXXX debt which was included and discharged in my bankruptcy. On that screenshot you will also be able to verify the bankruptcy case number and the date that document was filed to the courts. I am also uploading a copy of my chapter XXXX discharge.
Consumer complaint received 2017-08-07
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. (MO)

I contacted XXXX XXXX XXXX in reference to late payments displaying on my credit report. My account was in forbearance during the time the of the " late payments ''. XXXX XXXX XXXX reported to me there would be nothing they could do to change my credit reporting and that I would only be able to have the late payments removed by contacting the credit bureau. Upon contacting Equifax on XXXX XXXX,2017 I  explained to Equifax and provided the letter of forbearance asking that the late payments be removed from my credit report. Equifax refused to remove the late payments. I am desperately attempting to clean up my credit report and since the accounts were in forbearance at this time, the could n't possibly late payments.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (IL)

In XX/XX/XXXX, I discovered that LoanDepot had inaccurately reported me to both XXXX, and XXXX, as being 30 days late for XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, They admitted to me, both verbally, and in email, that they had made a billing error with my XX/XX/XXXX payment, and this had caused the problem. Floor Supervisor, XXXX XXXX, assured me that if I disputed the negative reporting with the bureaus, they would correct the reporting. 

On XX/XX/XXXX I filed disputes with XXXX, and XXXX. 

On XX/XX/XXXX, I learnt from XXXX, and XXXX, that LoanDepot had affirmed the inaccurate information as accurate. 

Since then, I have exchanged multiple email, and made multiple phone calls to, their customer service department. I have received assurances via email, and verbally, that the issue would be resolved, but each time frame of 30-45 days I have been given, has passed with absolutely no change to the inaccurate negative reporting. 

The inaccurate negative reporting by LoanDepot has damaged my credit, and impacts my ability to earn a living.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcement, basically profiting off consumer misfortune.
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

I 'm writing because the a man today his name was XXXX XXXX the other days he 's had different names and he calls from a variety of different numbers from different states within the United States he claims that he 's with Midland funding and I manage my account with Midland funding over the Internet he is also claimed to have access to my credit card information and is increasingly and increasingly attempting to make each call more personal and has even reference my location and what I 'm doing for the day
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have a Coinbase debit card for XXXX, which is the bank. In the last 3 weeks I noticed 3 refunds that have not hit my account but were refunded and fully processed by the merchant and even processed internally by Coinbase and XXXX. 

Coinbase Card transactions refunded and are not reflecting on the account : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> - XXXX USD refunded on XX/XX/XXXX- You spent XXXX USD in XXXX XXXX XXXX XXXX XXXX on XX/XX/year> refunded on XX/XX/XXXX- You spent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year> refunded on the XXXX. 

None of those have been refunded to my bank yet. I called 5+ times and have opened a chat with them every single day ( sometimes multiple times a day ) since XX/XX/XXXX. I just want my refund. Coinbase and XXXX have processed the refund on their end and have told me so. But they can't tell me why they have not given me the money yet. In my head this is theft. I am unsure why they can't give me my money or at least give me temporary credit while figuring out what internal issues they are having. The lack of any follow-ups with promises given is very alarming especially when they promise follow-ups. They won't even let me speak to the department that is working on my case saying they only work via email. But over 14 days they have not sent me 1 email. Not even 1 to say a case has been opened. I find this to be very ridiculous and just want my money. The {$180.00} refund also is not even showing up in my transactions as a refund which is alarming because now I do not know if there were previous refunds that did not show up that I did not recognize. Coinbase even said to me that it was refunded at first and their end it shows it all refunded. Only when they dug deeper did they say that it was not refunded but it was processed on their end. I wonder how many other consumers that maybe arent as on top of everything are being taken advantage of.
Consumer complaint received 2017-08-05
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. (CT)

Identity Theft  XXXX  2010 ( police report on file in  XXXX , CT ). Received copies of credit report from TransUnion. There were errors on the report. Rep at the company told me to correct info on the report, send it back and it will get corrected. I did that and trusted that it was done. I still see errors on the report I just received due to a " denial '' by a credit card company.
Also, incorrect amounts owed, does not state when the credit card or home loan was paid in full or anything that would reflect something good that the consumer did.
It just states " high balance '' and shows an amount that I may have had for a day or 2 and paid off.
It is very disturbing to know that even though I am NEVER late paying bills, and can not even remember being late, my credit score is in the   XXXX   's giving me a " D '' rating due to the " angle '' that the reporting agency gives to make consumers appear as if we are and will be delinquient.
I really think that the Attorney General should look into this type of business practice/behavior also.