davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TN)

XXXXDisputed on XX/XX/2024, XX/XX/2024, XX/XX/XXXX, and XX/XX/2024 requesting for them to investigate and ask the company to provide details relating that this is my date because I have not recieved any thing from the reporting agency National credit Agency . I called agency several times asking for them to provide me documentation that this debt is owed due to a letter I recieved that I was a victim of XXXX credit Breach. I filed a dispute several times asked for XXXX to dispute and send me the company information and finding that I owe this debt and if the company have the right to this debt. I have not recieved anything and the debt is still on my credit. Total amout of debt is XXXX XXXX XXXX XXXX XXXX  and debt was sold to National Credit System. I called the XXXX XXXX XXXX XXXX and the wouldn't provide me with any details either.

On the same dates above I asked XXXX by writting to update my credit with the correct address do to fraudentaly things I see on there and the address on there are not mine. They are my ex-husband from XXXX. The address are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX TX XXXX. These are not my address. 

0n XX/XX/XXXX, I seen a Mortgage company on my report from XXXX XXXX XXXX  This is not my Mortgage company and I asked XXXX to remove this Comapny and remarks and this is still on my report. Please Help
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I looked at my Equifax credit Report Online on XX/XX/2018 and I don't see any information on my credit Report. My Equifax Credit report is wiped out as if I'm deceased or something. Nor do I see a credit report. On XX/XX/2018 I faxed all my identification and Social Security card to Equifax Credit Report. I'm not sure why my credit report information has disappeared from online viewing. I also can not see my current credit score as well. Because I pay for this online service to view my credit report and Credit Score. I'm also currently dealing with identity theft, Hackers, Spam callers, spoofing, Mail theft, and vanish email and phone calls. This is due to mortgage Fraud as well with XXXX  XXXX XXXX.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (PA)

Radius Global Solutions placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Radius Global Solutions to remove incorrect information off my credit report. More importantly, Radius Global Solutions are in violation of FACTA section 623 ( A ) ( 7 ). 




Balance {$210.00}
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act Trans union credit bureau has violated my rights. 

15 U.S.C 1631 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 2023-06-13
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent a letter to EXPERIAN, at XXXX XXXX XXXX XXXX TX XXXX, by USPS Certified mail # XXXX. 
I received confirmation of delivery to Experian dated XX/XX/XXXX. 
I included in my letter and attachment to Experian my Government-issued proofs of identity, copies of my XXXX  Driver 's License, my Social Security card , and my home utility bill ( XXXX XXXX XXXX XXXX XXXX XXXX. 
My attachments and copies verified my ONLY LEGAL NAME, MY ONLY ADDRESS ( since XXXX ), my ONLY SOCIAL SECURITY NUMBER. I also asked that twXXXX INACCURATE PHONE NUMBERS also be removed. 
All that should remain on my reports under personal information should be my ONLY accurate and complete : NAME, ADDRESS, SOCIAL SECURITY NUMBER, and PHONE NUMBER. 
As of XX/XX/XXXX, ALL the inaccurate or incomplete personal information that should have been deleted still remains on my Experian credit report. I received no notice of investigation or procedures or sources used, even though I requested them. I provided government-issued, and utility company verification of my true information. 
Experian is obviously using faulty sources of information and failed to reveal those sources to me. I would like all of the disputed, inaccurate and incomplete data in my file deleted right away.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MI)

Radius Global Solutions LLC called me on XX/XX/year> trying to collect a debit from XXXX XXXX. they had a prior address from where I used to live that wasnt correct as well as an old number the last XXXX of my social and my birthdate but I have never had XXXX or ever lived in the city where there saying services were hooked up. I also XXXX  Radius Global Solutions LLC and some reviews said this company was the scam I'm not sure which it is but am now worried about who may have my information.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

Earlier this year I experienced an issue logging into my credit card account on chase.com. Specifically, Chase required me to enter Identification Code that they could sent to my phone via text or a voice call or via an email message. When I requested the Identification Code to be sent to me via a text message, no text messages from Chase arrived to my phone number.

The feature of delivery Identification Code via a text message to access Chase credit services is widely advertised by Chase on its website and is available to other customers of Chase.

I had informed Chase via Secure Messaging system that no text messages from them were delivered to my mobile phone account. My mobile phone account is able to receive text messages and I have been receiving identification codes via text from other credit card companies without any issues.

Over a period of two months I had been communicating with Chase via their electronic Secure Messaging system trying to resolve the problem. Chase representatives repeatedly asked me to call their company phone number in order to resolve the issue. I repeatedly asked Chase what information it required from me in order to resolve the problem and was willing to provide any such information via electronic messaging system upon request. During the two month period of me conducting communications with Chase in writing I never received from Chase any requests for any specific information related to the issue.

It appears that the sole fact of them speaking directly to me over the phone was their requirement in order to provide me with the same level of service as they provide other customers. Chase never provided me any other reason why my account is adversely affected. 

In XX/XX/2018, Chase informed me that they will no longer be communicating with me via Secure Messaging system on their website. Subsequently I contacted Chase about additional issues restricting my use of their website and my requests were left without a response from Chase.
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (PA)

Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2024-03-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Comerica (CA)

Since XXXX XXXX i have been going to through identification theft from diffrent houses, cars, car insurance on my credit report uncluding my mother that's has passed away from having mail delivered from shelters i was located at and from some not receiving the mail to recieving mail there and that's not my mailing address. From my medicine going missing and my XXXX  told them this and still no help mail being dropped off at places i have never lived at from the IRS telling me an married to having or being someone beneficiary and that's not true this has been going on so long is just sad, am numb to the bad energy and is just tired of the hole issue thank you and have a Blessed Day uncluding XXXX  and XXXX telling me to same thing from people putting XXXX XXXX on XXXX XXXX  account now its closed that was a contract account that someone is passing out and now am on a prepaid att account from being XXXX also.
Consumer complaint received 2022-03-11
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. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL) (PA)

AR Resources Inc. placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.Request AR Resources Inc. to remove incorrect information off my credit report. More importantly, AR Resources Inc. are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (IN)

ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.
Consumer complaint received 2019-01-10
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. (LA)

The following accounts are listed on my credit report and they do not belong to me. I never applied for these accounts nor did I create delinquent bills : XXXX XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00}
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NC)

On XX/XX/2018 Waypoint Resource group placed an account on my credit report ( XXXX and XXXX ) for an account that does not belong to me. I have never received any documentation or letters from them. The original creditor is XXXX/XXXX in Florida. 
On XX/XX/XXXX I called Waypoint Resource group and spoke with a person by the name of XXXX. When I provided her my name and social security number she stated it didn't match. I never had a bill or balance with this creditor. She spoke with her manager and advised that I could call back later in the week to find out a status for the account.

We ended the call and 10 minutes later they called me back. They kept asking for the wrong person. I advised them that there is no one by that name. They abruptly hung up and continued to call. They never left a voice mail message or any information. 
They are borderline harassing. They have the wrong person for this debt with incorrect information. Check behind this company as they purchased bad debt and trying to collect on it from the wrong people.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Called Equifax toDAY TO TRY TO RESOLVE A PROBLEM ON MY CREDIT REPORT ABOUT THEM REINSERTING A ( XXXX-charge off ) THAT THEY REMOVED AFTER A INVESTIGATION THEY DID TO REMOVE THE ITEM. 
RECENTLY I FOUND AN ITEM ON MY CREDIT REPORT THAT WAS RE-INSERTED INTO MY CREDIT FILE. YOU ARE REQUIRED TO NOTIFY ME WITHIN ( 5 ) FIVXXXX DAYS OF RE-INSERTING A PREVIOUSLY DELETED ITEM. I DID NOT RECIEVE ANY SUCH NOTIFICATION.. PLEASE DELETE THIS ITEM IMMEDIATELY ( XXXX-ChargeOff ). 
That account is associated with the fraudulent address they removed. I tried to explain that to the rep and he was very very rude and really did not care about what i had to say. I spoke to him XX/XX/2018 around XXXX Eastern time. Nobody needs to be rude to anyone when it is not called for. I think Equifax noted my account that allows them to be rude to me personaly
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (CT)

I've been trying to make payments on my car, the car dealership who financed me isn't allowing me to do so causing interest to accumulate. I have also been getting charged {$90.00} added to my account for not having full coverage insurance when I do have full coverage insurance.So During this process my car was stolen and now the dealership won't even return my calls after I reported it stolen they made it clear they were going after the insurance check. The company auto now financial is responsible.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I received a letter dated XX/XX/2019 stating that I had been sued by Midland Funding on behalf of XXXX XXXX XXXX in the {$1000.00}. Included in the letter is a request for a list of all of my assets and bank account information. I have contacted them and explained to them that this is not my debt. I have asked them several times to validate the debt and they refuse to do so yet they expect me to just give them money for a debt that is not mine.
Consumer complaint received 2018-08-25
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: DISCOVER BANK (GA)

I opened a Discover card on XXXX XXXX was SECURED with a XXXX deposit. I closed my account XX/XX/2018 due to overpayment and not receiving my security deposit. A credit balance payment of XXXX was sent to me, so at thay point I had a XXXX balancr5.However no credit was availa ble. I contacted Discover and was told they could only release XXXX, becausr they were waiting for a XXXX chevk to clear. As I explained to the rep the XXXX check was to be applied to my deposit as it was stated in the check memo.i was told by Discover I could not do this. I then requested my check be returned to me.Only XXXX dollars was released and i charged XXXX Which I sent Discover a money ORDER which was sent to XXXX XXXX in the executive office as he was supposed to be handling my account. My XXXX check has never been sent back, instead they held it for 10 days applied it to my XXXX balance account chevk was never paid by my bank. So the XXXX payment was put back on my account even though I had a XXXX  balance. So when i closed my account they applied the XXXX check against by deposit and kept it. I have sent numerous emails and letters to XXXX XXXX with no RESPONSE. I even emailed him my current statement which shows a XXXX  balance no payment due and a credit limit of XXXX. How can I have a XXXX credit limit when my account has been closed for 2 months. I have sent 3 different complaints to the XXXX XXXX  XXXX. The latest email I received from Discover is that they can't locate my paymeny?? Then how do i have a XXXX balance. Now requesting a copy of my PAYMENT which will continue to delay the XXXX refund that I am owed.Thiz is BEYOND ridiculous that after 2 months and 20 emails to XXXX XXXX at the executive office and this is still not been resolved
Consumer complaint received 2018-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Navient took over my loan servicing a couple years ago. For the last two months they significantly increased the amount they withdrew from my account without notification. My repayment, which was on an automatic repayment schedule, increased from {$76.00} to {$300.00}. This dramatically affected my monthly budget which was already well planned due to XXXX kids. 

When I called and asked why my repayment shifted so dramatically, they did not address my questions. I was ahead on my payments. I paid on time. But they effectively changed the terms of my loan and violated the promissory note. Had I continued to repay the loan under the new payment {$300.00}, it would have been paid off sooner than the agreement stipulated. They offered no reason for failing to notify me of changes to my repayment plan. 

They were unable to explain why my payments increased, given this was a flat rate loan repayment program over a fixed term.
Consumer complaint received 2017-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NV)

Coinbase s uspended my account access and I ca n't log into the account at all. They asked me to upload my ID to allow an increase in transactions and as soon as I uploaded my valid ID they suspend my acco unt. TI st ill have funds in my account and I have no way of accessing them or removing them at all at this point. I 've sent several emails over  a 2 week time frame asking to resolve this issue and restore my account access but only got one automa ted reply with information about ID uploads ... none of which applies or has anything to do with my requests. They have n't addressed the issue and have not replied to any communications.  <P/> I would like to have someo ne at Coinbase restore my account so that I can log in and remove my funds that are still there.
Consumer complaint received 2018-09-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ). 

Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum. 

I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying. 

I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.

In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX. 

I still have nothing from this company. 

I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full. 

I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account. 

Please help me.