davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

I was sent a class action postcard against this company explaining they had no license to collect debts in the state of Maryland and also I never received anything regarding this debt and also the debt is to much for the period of time of the debt and they also are on my credit and the co signer credit with never even notifying either of us because the default amount is bogus!!
Consumer complaint received 2018-03-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute with Experian on XX/XX/2018 for my accounts to be properly verified and once verified. However, they have still not identified who their company verified the accuracy of these accounts, or how they verified them? Nor have they provided the physical proof of such verification. Under the FCRA section 616 and 617 it's Experian responsibility to authenticate the documents their files that were used to verify the disputed accounts.
Consumer complaint received 2018-10-03
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. (IN)

I received a letter from XXXX XXXX services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX   XXXX and they denied removing from my credit report. I disputed the item with XXXX  and trans union and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

During the loss mitigation the bank was saying we didn't get documents, saying things could be taken over the phone and then saying they didn't get it. I have sent them documents through their site for years and all the sudden they aren't receiving it, I have recorded them saying they have all they needed to find out they didn't, I had to start another application because the info I gave them over the phone they said they needed they said they didn't get. Then to say the loss mitigation is denied because not enough time. It is in the appeal process now, I have the appeal if you need to see. Thank you
Consumer complaint received 2021-09-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC (KY)

I have received numerous phone calls from Global Trust Management. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.
Consumer complaint received 2022-01-29
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. (AL)

I opened a dispute with Experian on XX/XX/XXXX because they are showing a card with XXXX still has over XXXX past due. That card has been paid in full since XX/XX/XXXX and I uploaded proof from XXXX stating that. Experian closed the dispute yesterday XX/XX/XXXX and claim XXXX stated the XXXX past due is accurate. It's not. I called Experian yesterday XX/XX/XXXX and agent opened a new dispute. It has also been closed as of today XX/XX/XXXX. The system barred me from disputing online again. This is hurting my credit. I already disputed with XXXX and have that same account showing {$0.00} as is accurate. This credit card was opened by a family member without my knowledge. That family member has subsequently paid in full and this {$1800.00} past due should not be on my account.
Consumer complaint received 2022-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MN)

I have been trying to get a refund of payments made during Covid for almost 4 months now. 

It is now end of XXXX. The first time I called was end of XXXX, and the customer service rep told me I would receive my refund in 6-8 weeks. I gave them the benefit of the doubt and waited 10 weeks. Then I gave them a call. This XXXX rep told me she did not see anything indicating a refund was requested. Luckily I had email proof, because I had also emailed them about this around the same time. She said she would fast-track my request to be processed in a couple of weeks, since waiting time was 8-10 weeks now. 

I called and emailed multiple times and kept getting the run-around. Its coming or we will get to it soon. I was told my processing date would be first week of XXXX. 

I just got communication today XX/XX/27 saying it would now be 10-14 weeks. Ive already been waiting 16+ weeks. This is getting ridiculous. Theyve lost all credibility and I dont trust them at all since theyve lied so many times about the timeline. My friends with loans with other student loan companies requested around the same time and got their money back in less than 8 weeks with no issue.
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (SC)

Upon retrieving my credit report XXXX XXXX. I noticed the fraudulent account. Immediately I reached out to the company as well as the Credit bureaus to get to the bottom of this matter. Upon investigating I realized I became a victim of identity theft. Some crook obtained my information and acquired goods fraudulently in my name in another state/city that I've never lived nor visited. The collection agency was extremely distasteful and unapproachable in the matter and Absurdly demanded immediate payment. I did not acquire this account it was obtained under false and fraudulent intent. I notified the FTC as well as my local police department of this incident.
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I sent a request of validation to the company AWA XX/XX/XXXX I have yet to hear from the company so I gave them a call XX/XX/XXXX, the lady informed me that they in fact did receive my request and they did not respond because they are waiting for me to send them a police report. The lady over the phone informed me they would not be responding to my request and told me she would be hanging up one now and proceeded to end the call. This agency is adding interest on the account after I requested validation
Consumer complaint received 2020-01-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NY)

I tried several times to contact Navient and resolve the issue. It seems as if they want my loan from XX/XX/2003to keep accruing interest. They led my dad to believe he didnt need to pay and enrolled him in the wrong program. They then contacted him a few years later with a ridiculous added amount. After I was able to get his loan connected to my account to pay them monthly, things got better. Then, I called to put the loan back under his bank account ( job loss ) and they still charged my account. After having his bank account information connected to his account, they claimed he failed to pay ( it was set up for auto-pay ) for 4 months and accrued more interest. Finally, after I took over my dads loan to pay it off in total, In the 4th month, they declined it and I was given the run around just because I wanted to pay off this outstanding balance. They claimed my account was invalid when I use XXXX everyday and had the necessary funds.
Consumer complaint received 2021-08-23
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. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiryXXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-08-13
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: Certified Services, Inc. (IL)

XXXX and XXXX continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX CERTIFED SVC ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Failed to respond to remove error reporting XXXX XXXX  XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2020-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

starting the day of XX/XX/XXXX i was logged out of my app i used every resource on coinbase to contact them thru there social media accounts company an etc. there automated service is not reliable.this is a centralized app that deals with money daily but cant pick up the phone. im trying to fix my login issues an theres no way for me to reach them thru a email support request to change the email on the account that i dont have the password for.they have all the info they need to make changes but the format in which they are going is incorrect
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX 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 2023-06-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

XX/XX/2023 To whom it may concern My name is XXXX XXXX I want to file a formal complaint against Equifax for not protecting my personal information. Ive tried to correct the information on my credit report which they failed to protect. I have just found out I was a victim of a breach they had some years ago. Ive tried several times to dispute incorrect information on the report and every time they say they have investigated and has verified that those accounts are correct. Even with the knowledge that my information was part of a breach that I was not aware of until a few days ago. 

These are the account I have disputed with them and they validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These are the account that I have disputed more than once with Equifax to no end know I have collection companies calling all the time threating me. 



My XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of 2019 I was visiting my sister in XXXX XXXX Mo. We went to the mall in XXXX XXXX and went to the XXXX store there in the mall. The sales associate asked me if I would like to open a XXXX account since we had a store here in the mall in XXXX, Tx. Unknown to me when I presented my drivers which is the form of verification plainly states the name of XXXX XXXX XXXX. Even the signature under the picture plainly states XXXX XXXX XXXX. When I returned home and then went to the XXXX store in the Mall of XXXX on XX/XX/2019 I was told by the sales associate I could not use the account because there was a past due balance of {$65.00}. The associate was kind enough to give me a number to call because I have not received a statement verifying the balance. The company that is the card holding company is Capital One. I called Capital One and informed them of the mistake and that the account should have been listed under XXXX XXXX and not XXXX XXXX. The supervisor with Capital One stated it should be about 10 days to receive the statement and the XXXX card. Never showed up. I have received at least three more phone calls from Capital One. My husband spoke to them all three times and told them when you provide a statement with verification of the amount owed and the XXXX card as promised then she will pay the balance. Nothing has come in the mail yet. Capital Ones number is XXXX. Last four numbers of the account are XXXX.
Consumer complaint received 2022-12-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXXXXXX XXXX XXXXXXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/19 I lost my Chase XXXX debit card and it was fraudulently used at XXXX XXXX for {$950.00}. Once I noticed that my card was used I immediately called Chase to report the fraudulent transaction. During my initial call I stated that I had my card because I confused it with my mothers same FADED XXXX XXXX XXXX debit card. I then noticed that I did not have my card and that it was indeed lost I called to update Chase fraud department. I then filed a police report. Once the claim was settled I was placed at fault due to my Initial claim even though I called several times after to update the claim. I do not feel that I should be at fault because my card was ultimately lost and used without my permission.