davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
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: PRESTIGE FINANCIAL SERVICES INC (TX)

I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
Consumer complaint received 2017-06-05
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: Exeter Finance, LLC. (TX)

I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
Consumer complaint received 2017-06-05
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: BROKER SOLUTIONS, INC. (CA)

We have been trying to short sale our rental property ( XXXX XXXX XXXX XXXX, CA XXXX ), but XXXX XXXX XXXX will not give us an answer for either approval or denial. We 've have a buyer in place since XX/XX/XXXX and they have already signed 1 extension.
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We 've submitted all the documents that XXXX XXXX has requested, but they refuse to give us an answer and see to be delaying this transaction for as long as possible. We are at risk of losing our buyer and have the house foreclosed due to their inactivity.
<P/> XXXX XXXX XXXX is the 2nd lender on the house ( HELOC ) and they 've been patient, but time is running out for them, as well.
<P/>
Also, my wife ( XXXX ) and I are going through divorce proceedings and we need this resolved so we can move forward with our lives.
<P/>
I 've attached the relevant documents. My realtor is XXXX XXXX and XXXX XXXX is assisting him. They can be reached at - XXXX - XXXX  XXXX XXXX - XXXX
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (FL)

I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (GA)

On XXXX I applied for a XXXX XXXX XXXX.they said they did not use a credit reporting agency for the denial it was because I had a charge off in 2010 I explained I had to close all of my accounts when I filed for chapter XXXX. I did not have a balance on the card with Barclays Bank. XXXX XXXX
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XX/XX/2021 XXXX taken out of XXXX  XXXX XXXX account through zelle to an unknown XXXX XXXX account. XXXX  XXXX XXXX filed a claim.
Consumer complaint received 2020-02-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan is with Shellpoint Mortgage Servicing They are collecting escrow account to pay for property tax and insurance. However, they missed payment my first property tax bill. I called them four times and wrote an email to beg them to pay but they just ignored me. The county sent me tax delinquency notice. Every time I called they sounded like I bothered them. They kept promising to set up payment. Until now, they did not make payment to county tax at all. I demanded all my escrow fund to return to me so I can make payment by myself but they refused. They even asked me to pay my own property tax while they hold close to 10,000 of escrow fund and doing nothing. Now that the 2nd tax is due I am afraid they just accumulated the escrow fund and my money would be gone. I do not have that much money to pay property tax and pay them every month into the escrow account.

Please help me.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reported before regarding my personal information. My name is inaccurate and any account tied to these name are not mine. I'm sure someone has these names, however it was reported inaccurately. 

XXXX XXXX XXXX XXXX This is NOT my name. 

There is a XXXX XXXX # XXXX, which XXXX is the original creditor account tied to XXXX XXXX. XXXX is not mine. I have not had XXXX known as XXXX XXXX # XXXX.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (AZ)

They Failed to validate this debt. Legally or properly. 

I have been a victim of HIPPA VIOLATION by the Bureau of Medical Economics and XXXX XXXX XXXX Specialists. 

I demand it be removed from my credit reports immediately! 
Or I will be suing them for {$10000.00} or more. 

XX/XX/2021 I requested validation of the debt to them. 
They did not VALIDATE THIS DEBT. respond back to me XX/XX/2021. 
Without proper validation. 

I contacted Bureau of Medical Economics via " certified / USPS mail as well as XXXX XXXX XXXX They Failed to Validate the Debt. All that was sent was a fake bill with my name on it with a company I never did business with or signed or authorized anything. 

I want all debts they are claiming are mine removed from my credit reports immediately. 
They are in violation. I have never done business or authorized anything with any of these companies. 

They are in violation. 
I obtained an attorney and they claimed I need to file this complaint with you here as my next step. 
Before I sue them for violating my HIPPA Rights. If not removed immediately from my reports. 

Thankyou, XXXX XXXX
Consumer complaint received 2019-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a Dispute with Transunion on XX/XX/XXXX for a medical debit that I do not owe due to having full insurance coverage effective since XX/XX/XXXX. Transunion communicated that the investigation would be completed within 30 days. Today is XX/XX/XXXX and the status of the dispute still says that Transunion is STILL investigating the dispute.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GB Collects, LLC (NJ)

In XX/XX/XXXX I enrolled in XXXX  insurance with XXXX of New Jersey. In XX/XX/XXXX I started work again and obtain insurance from my work. I called XXXX to cancel the coverage in the same month with the intention to cancel the entire month. Due to miscommunication or lack of proper communication from both sides they used the date I called as the cancellation date. I don't have any confirmation from them that of what date they used to cancel the coverage nor did i received further bills or invoices. If i had I would have corrected the above mentioned miscommunication. On the first week in XX/XX/XXXX I received a letter from the GB collects demanding the payment of {$600.00}. I immediately called GB collects. I explained the above and they suggested I called the market place XXXX to request the cancellation date to be turn back to XX/XX/XXXX ( one month ) as I was cover by my work insurance from XX/XX/XXXX. They refuse to change and told me i had to call XXXX. I called XXXX and they told me I had to open a written complain in their website. I tried doing that but the website said this kind of complain had to done by calling the number above which i already called and they did not help me. I don't feel I should pay for something I did not need and never used and especially after almost 2 years have passed since then. Hope you can help. Thank you. XXXX XXXX
Consumer complaint received 2020-02-15
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: EQUIFAX, INC. (TX)

First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}
Consumer complaint received 2020-02-15
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: EQUIFAX, INC. (TX)

First Name : XXXX Middle Name : XXXX Last Name : XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX Zip : XXXX Additional exposed information was found Offense Description : XXXX XXXX >= {$500.00} < {$1500.00}
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I filed for Bankruptcy on XX/XX/XXXX, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : Experian is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy XXXX XXXX is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX  XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...
Consumer complaint received 2020-02-15
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. (FL)

THE ACCOUNTS WERE NOT AUTHORIZED BY ME. I WOULD LIKE THOSE ACCOUNTS TO BE REMOVED OFF MY REPORT FOR THEY HAVE BEEN CAUSING SERIOUS DAMAGE TO MY REPORT.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

Today, XX/XX/21 I received a welcome packet and checks from TD bank for an account I never opened or authorized. I did not authorize the account or have any knowledge of its existence prior to today. After contacting TD bank this evening they confirmed they will close the account immediately which Ill be reflected in 2-3 business days.
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (SC)

Bridgecrest Acceptance Corporation has violated the law and has been deceptive. They did not follow The Truth In Lending 15 usc 1601 and have been lying about the finance charge 15 usc 1605. They are trying to collect cash in a consumer credit transaction with a finance charge involved. I even asked them to validate the debt 15 usc 1692g because in the initial communication they did not and they still have not. I also neve. I have let them know about their violations with a affidavit. They did not rebut the violations but just claimed they felt like they did nothing wrong, instead of thoroughly investigate the matter. Now they are threatening to take my car illegally. So now I will send a last affidavit stating these violations, a exhibit, and a final notice. I just want them to respect my consumer rights and the federal law.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: GOLDMAN SACHS BANK USA (VA)

I entered into an open end credit transaction with Apple Card to purchase a XXXX back on the XX/XX/XXXX. I allegedly owe a balance of {$1100.00} and Goldman Sachs bank has been calling trying to collect on it. I did not enter in a contract with Goldman Sachs, nor have they shown me a signature where I signed into a contract with them.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One prepaid credit card of {$300.00}. Payed off balance and closed account in XXXX, was told refund would be issued after 30 days. Called again at that time, was told after 60 days. Called again at that time, was told check was issued, should arrive in 7-10 days. Called again after that time, was told someone would call me back. Called one week later ( today ), was told no check was ever issued, call after 90 days. The stories and timelines never add up and most of the people I speak have foreign accents. I feel that I am being scammed.
Consumer complaint received 2018-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX, I contacted XXXX support team as I couldn't login to my XXXX account. Got an email with Case # XXXX that the case is assigned to a specialist for review. Till today ( XX/XX/XXXX ) even after 45 days, there is no solution from the XXXX support and still can't login to XXXX  account. My funds worth almost {$12000.00} got locked in my account and couldn't access them. Contacted XXXX  support several times but they are still saying the account is under specialist review and no way to contact that department directly. I got huge loss in this mean time as crypto market crashed and I couldn't sell the coins in my account. 

I need access to my XXXX account to use my funds. Please help me in getting the access back to my account so that I can login and use the funds. Please help me at the earliest.
Consumer complaint received 2021-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

Hello so I have a personnel loan open at a local branch near me. Along with that loan I had other credit cards and loans that affected my credit that were past due. I decided to go with a consolidation program to help me pay off everything. Obviously this loan company called Atlas Credit called me for payment I nicely advised them of what I did they advised me they dont accept those kinds of programs. I advised them I will get back in touch with them. I called my debt program they advised me companies tend to say that so they dont lose money. They advised me they do work with that company and have done so in the past. A day passed by and again I receive another call I advised them again that the debt program will contact them in regards to payment. Later that same day I decide to call corporate because I dont stop getting calls they advise me they will contact the local branches supervisor to let her know I dont want calls nor them coming to my house all that is against federal law and if they want to inform me of something they can send it via mail. Later on that day the supervisor calls me and she insists again in payment she tells me they dont accept the program I advise her I dont want calls to mail me whatever she needs to tell me she said in my contract I supposedly signed to be contacted via phone. I have repeatedly advised them to stop calling me I am not approving them to call me. These arent even reminders anymore its more like harassment because I have advised them of what I am doing already.
Consumer complaint received 2021-08-24
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: Experian Information Solutions Inc. (TX)

Companies Involved : - XXXX in partnership with XXXX XXXX  ( card provider ) - Experian - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, CA. Similarly my accounts have not spent any money in California store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.
Consumer complaint received 2021-04-15
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. (GA)

Experian need to remove " ESCALTED REMOVAL / SUPRESSION REQUEST CONFIRMED BY THESE COMPANIES AND IMMDIETALY REMOVAL IS REQUESTED ''. 

Please see attached the screen shot of my account. 

Please remove the following hard inquires immediately from my credit account. Other bureaus have removed updated and these inquires are need to be removed from Experian. These inquiries have been escalated by : XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

EXPERIAN CREDIT REPORTING IS REPORTING A NEGATIVE AND FRAUDLENT ACCOUNT ON MY CREDIT FILE AND IT IS A FRADULENT ACCOUNT NOT BELONGING TO ME. I HAVE SENT THEM SEVERAL POLICE REPOERTS AND REQUESTS TO REMOVE THIS FOR OVER A YEAR AND IT WAS REMOVED AND THEY NOW JUST RECENTLY ADDED IT BACK ON MY CREDIT FILE. THIS DOES NOT BELONG TO ME THEY ARE ALSO REPOERTING AN ACCOUNT I HAVE OPEN AS CLOSED AND I HAVE NTOIFIED THEM OF THIS NUMEROUS TIMES AND THEY HAVE IGNORD MY REQUESTS TO PROPELRY ADDRESS THESE ISSUESS. T THEY ARE IN VIOLATION AND CONTINUE TO BE AFTER DISMISSING ALL MY REQUESTS
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

In Accordance with the fair credit reporting act XXXX  NATIONAL CREDIT SYSTEMS INC has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


I WAS RECEIVING SECTION 8 HOUSING XXXX XXXX XXXX SIGNED OFF ON NE NOT OWING ANY MONEY BECAUSE THE HOUSING AUTHORITIES PAID MY RENT AMD MY UTILITIES THEY ARE ADDING FALSE CHARGES FOR THE WATER BILL ON A DOCUMENT THEY TYPED UP NOT SHOWING THE REAL BILL AND PAYMENTS! ALSO I PAID A DEPOSIT OF {$700.00} THAT WAS NOT RETURNED NOR APPLIED TO SO CALLED CHARGES THIS IS THEFT AND I WILL HAVE MY LAWYER IN CONTACT! THIS IS A SCAM! You guys added 3 months of water bill service the housing authorities paid all bills and utilities NO WAY there was any balance! The housing authorities will not let a tenant move if any balances are owed! THESE ARE STATE LAWS! The home was sent to abdomen because the owners refused to fix leaking roof and plumbing! All this is documented! No deposit returned to the rebate and false charges put on the credit report to prevent future housing!? This IS AGAINST THE LAW!!!!