davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I pulled credit report and found out that Credit Collection Services ( CCS ) listed a collection account # XXXX saying that I owed them an alleged {$250.00} for unpaid debt with XXXX as the original creditor of car insurance not paid. 

I disputed it and asked for validation. 

On CCS 's letter to me dated XX/XX/XXXX they sent the attached XXXX XXXX statement saying I did not pay for the insurance from XX/XX/XXXX to XX/XX/XXXX. 

This is a false statement because my insurance account did not extend to the period they are trying to collect. My insurance with them was from XX/XX/XXXX to XX/XX/XXXX. The policy ended on XX/XX/XXXX and I did not renew the policy with them. So the alleged {$250.00} they are trying to collect in not mine. ( see attached XX/XX/XXXX). 

XXXX XXXX 's statement that " the payment I made was not enough to completely cover the time insured XX/XX/XXXX to XX/XX/XXXX '', is a false and untrue statement because I did not renew the policy for that period and therefore was not insured by them within that alleged time. And I did not make any payment within the alleged time from XX/XX/XXXX to XX/XX/XXXX. 

I did not approve the changes they had to renew the police and decided not to make the payment that would have been the means of acceptance as per their request. 

I did not renew the policy and therefore I did not have to pay them for service they did not provide. And I am not obligated to tell them who I insures with. 

CCS reporting false and inaccurate information on my credit record is in violation of the XXXX XXXX XXXX, FCRA and FDCPA. 

So I want CCS to remove this false information from my credit record. According to these XXXX XXXX XXXX, FCRA and FDCPA, inaccurate report must be removed and deleted from my credit record immediately. 

And I want CCS to notify me when this false and inaccurate report has been deleted from my credit record in accordance with FCRA and FDCPA.
Consumer complaint received 2022-08-18
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. (TX)

On XXXX XXXX Report # XXXX Experian deleted this unverifiable XXXXXXXX XXXX XXXX Account. On XXXX XXXX Experian reinserted this Deleted, unverifiable XXXX XXXX XXXX Account on my credit report. The reinserted report # XXXX. I sent a letter requesting they remove this account. On XXXX XXXX I received notification they have started a new dispute. By law Experian can not reinsert an unverifiable account and must remove without an investigation.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MI)

Attached full email conversation. 

I applied for the mortgage on XXXX for my first ever house. I was still shopping for the mortgage and comparing interest rates with several lenders. I never showed any sign to finalize my home loan with better mortgage. At this time property inspection was still pending. 

Better mortgage went ahead and without my content ( even without informing me or my real estate agent ), communicated to seller, booked an appointment and did the appraisal process on XXXX. I was never informed about this. I never paid for or asked for any appraisal service. It seems like better mortgage directly contacted the seller and booked the appointment for appraisal. The seller is an old lady, she though better mortgage company went for appraisal because I asked them to do so. Now both the seller and listing agent is mad at me and the purchase dealing is at risk. 

In the loan estimates provided by XXXX, they have printed {$500.00} for the appraisal service, to be paid. But I never signed the consent for that, never I ordered for appraisal. 

I came to know about entire scenario from the seller of the house. XXXX never informed me about it.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello I XXXX XXXX recently applied for a credit card on XX/XX/2022. I received a denial letter XX/XX/2022 saying, Thank you for applying for American Express Gold Card. We are writing to let you know that, unfortunately, we can not approve your application at this time. So I called American Express the same day XX/XX/2022. Explaining 15 USC 1602 ( f ) which tells me credit is my right I can not be denied a right. American Express proceeds to explain I was denied because of my credit score. Then I respond with 15 USC 1602 ( p ) makes is clear they committed fraud used my credit card ( social security card ) without authority and I received no benefits. American Express repeats themselves saying your credit score makes you ineligible for credit according to our procedures. I respond with, Isnt that discrimination? According to 15 USC 1691 ( a ). These are three violations off of one phone call. I feel like Im being taken advantage of I feel stressed an XXXX  because I cant pay my bills and car notes an provide for my child. I know my rights as a person. This company policies doesnt supersede Federal Law. So Im asking you to step in to help American Express understand.

Thank you!
Consumer complaint received 2022-05-03
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. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-01-29
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: Credence Resource Management, LLC (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (NJ)

Asked for Method of verification of two accounts on my credit reports, XXXX, XXXX and Euifax did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. XXXX, XXXX and Euifax continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

I Had an account with my son and they charged off my account for {$41.00} for Overdraft, I got a class action suit for overdraft fees that they reimbursed me, Also, they didn't send the information to the correct address I was unaware of this charge I tried to update and get a new checking account because of the overdraft they will not remove from XXXX XXXX as they added these charges later then charged off my account. I had paid money to the bank in XX/XX/XXXX and these charges were added later without my knowledge and is now affecting my consumer report for five yeas. I need this updated and removed as their should be no overdraft or extended fees by XXXX XXXX XXXX. I had two accounts with them after this and they never told me of this just sent it to XXXX XXXX. I spent an hour and a half with XXXX  XXXX XXXX and they wont remove the charge.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NY)

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XXXX/XXXX/XXXX at XXXX I sold XXXX XXXXXXXXXXXX per ETH ( {$3500.00} ) to my USD Wallet on Coinbase. My ETH was removed from my wallet, but I 've never received my USD. This transaction is supposed to be instant and it 's been 30 days and I still do n't have my money. I opened a case with Coinbase support ( Case ID XXXX ) on XXXX/XXXX/XXXX and I received an update on XXXX XXXX that they were going to have a specialist look at the issue. I called their phone support on XXXX/XXXX/XXXX and after waiting an hour on hold the analyst told me that my request has been properly escalated and that 's all she could do XXXX XXXX ID XXXX XXXX. When this amount of money is on the line I do n't see how this level of service/support can be acceptable. 

Coinbase needs to resolve my issue and deposit the {$3500.00} to my USD account on Coinbase
Consumer complaint received 2019-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

On XX/XX/2019 I attempted to purchase hockey tickets from a XXXX ad and was told to send the money through XXXX. I didn't have a XXXX account but it was backed by all the big banks including my bank PNC so I figured it was secure. I sent the payment for {$400.00} through the PNC app. He immediately said that there was a 1-3 day hold since he didnt initiate the request and that he would cancel that and send me a new request. I asked for proof that he cancelled it and he said it wouldnt show right away. I knew at this point that I had been scammed and immediately reached out to my bank, about 30 minutes after sending the payment. I was told the payment was gone and there was nothing they could do. They said to contact XXXX which I attempted to do but everything is automated and I wasnt able to reach an actual person. The money was sent to a bank account so XXXX has to know who received the money. I'm hoping you all can help.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The account was in a negative static and i paid the account in full in then and the account haven update. there is XXXX different company 's that I was redirected to report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original company XXXX XXXX. This account is continuing to being sold to other agencies even after it has been paid in full. 

The account was paid in full in XX/XX/XXXX, As shown on the payment conformation letter that I am uploading. However the last payment date on the credit report is showing for XX/XX/XXXX.
Consumer complaint received 2022-08-18
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: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX I disputed Old Navy/Synchrony Bank account showing on my credit report paid and closed in XX/XX/XXXX. The account was paid in full over the phone in XXXX so I was disputing it because when I called the creditor to pay it I asked if I could pay it on the condition that it be requested by the creditor to be removed from my credit report. I have disputed this a few times. I called XXXX after my dispute was denied and they told me it was up to the creditor to request it, confirming what I thought. So I called the creditor and spoke with a couple people. They said they dont have any record of my call in XXXX asking for it to be removed. I asked them to listen to the recorded call and they told me they didnt have a call. This is unreasonable since they have record that it was paid and I paid it over the phone. They also told me because there were late payments they had to report it accurately and it could not be removed from reporting because of that. That this was up to the credit reporting agency. I called back the credit bureau XXXX and the gentleman told me thats not true. He said he has been able to remove even delinquent accounts with late payments as long as theyre paid. Contrary to what Synchrony bank told me, the credit bureau said it was done at the request of the creditor. This is not only misleading but its an obstacle to navigating credit reporting resolutions. In addition to the creditor falsely stating that paid accounts with late payments can not be removed according to the agreement made between the two parties, blaming this policy on credit reporting agencies and the failure of the creditor to keep records, the contact information provided to initially reach the creditor was also incorrect. I had to call 5 different XXXX numbers and get transferred multiple to these phone lines that were wrong numbers. Eventually I got the correct number which is XXXX. I was only able to get this number by calling an active synchrony account I have and being transferred. I know the CFPB works to help consumers and I am submitting this complaint because it shouldnt be so difficult to navigate to try and find a resolution. Creditors should not give misleading or false information about why a dispute was denied or what recourse should be taken.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (GA)

I HAVE MADE NUMEROUS COMPLAINTS ABOUT ADDRESSES BEING REPORTED ON MY CREDIT REPORT THAT I NEVER LIVED AT. I WOULD LIKE TO REMOVE ALL THESE INACCURATE ADDRESSES AND ONLY HAVE MY CORRECT ADDRESS SHOWING ON MY CREDIT REPORT.
Consumer complaint received 2022-09-06
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. (CA)

Experian continues to furnish INCORRECT name on Credit Report. I have provided Utility bills as well as driving license that the only name I have gone by is XXXX XXXX ( XXXX ) XXXX. Experian will not correct this issue that is hurting my REPORT. ONLY address to have on file is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I disputed a collection letter from eastern account systems representing XXXX XXXX. I did not receive a formal response to my dispute.

I had internet/ phone service with XXXX from approximately XX/XX/XXXX to XX/XX/XXXX. I NEVER received an accurate monthly bill having been required to call each and every month I had service to dispute the charges. Some months the bills were adjusted, some months they werent.

At the end of my service, I was asked to return there equipment in postage paid boxes which I did. I was billed for that also. All this information was provided to eastern credit which they apparently ignored? I have copies of all my bills with dates, names and resolution each time I called. No one has asked for any of this information! 

Thanks XXXX XXXX