davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Unauthorized Bankruptcy Credit Reporting To Whom It May Concern : I recently received a copy of my credit reports. The credit reports showed a credit reporting by your company that I do not recall authorizing. Nor did the United States Bankruptcy Court verify or validating information from consumers ' credit files. understand that LexisNexis Consumer Center shouldn't be allowed to put an inaccurate inquiry on my file unless I have authorized it. Please have this bankruptcy reported be removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized Bankruptcy reported be removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thanking you in advance, XXXX XXXX XXXX
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (CA)

This complaint is against FCSI aka : Franklin Collection Service , Inc . I want to keep this company from reporting inaccurate information. I do NOT owe this bill of {$62.00} and I expect them NOT to report inaccuracies. 

FCSI has purchased my account from another collection agency after XXXX XXXX XXXX ( original creditor ) & XXXX has since removed their accounts for the amount of {$62.00}. I want to ensure that FCSI does not report this erroneous account to collections. They failed to show me all the proof I had requested to prove that this account that has been removed from XXXX XXXX XXXX and XXXX XXXX, is mine. They also ignore my request to furnish the information in the letters attached and remove this account. 

I wrote to them XXXX times with certified mail and the last time received no response. 

I am disappointed with XXXX XXXX XXXX and disgusted by FCSI companies ' practices.I would never recommend any of these companies to anyone as being honest and forthright. 

I must say, it must be against the law to double dip. All of these collection companies claim this so called " account '' as a loss when they do their taxes. By doing this, they forfeit the chance to get paid, while collection companies also try to collect money from unexpected customers, which is considered " double dipping ''. I would like to shine a spotlight on this and every company trying to do shady business.
Consumer complaint received 2019-07-18
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: CL Holdings LLC (DE)

Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (TX)

The issue is with PNC Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something PNC is doing to others and I feel that they are going to affect the home values of many people by doing so.
Consumer complaint received 2018-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2022-12-15
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. (NV)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc (CA)

I had an account with XXXX XXXX and something happened on their end where I had previously bought something and paid it off but the balance never got XXXX  out so for whatever reason something happened to the payments and I stopped receiving statements and I forgot about the account until my fiance bought me a bracelet from there for my birthday in XXXX. So when he went to make the payment in XX/XX/XXXX. I asked him to check what was going on with my account well there was still a balance so he paid {$60.00} and again XXXX made another payment little did I know the account got sent to collections in XXXX. They didn't tell us that when the payment was made not did I receive notice until after those payments were made so I thought I was current then I got a collection letter not only that but the payments we made didn't even get applied luckily I had my receipts so I disputed the letter and sent my receipts and I heard nothing from that company so once I got my taxes I asked what my new amount was so I could pay it off and they gave me the same price without my 2 payments we made at XXXX XXXX personally before knowing that account was sent to collections and I said no I want my money that I paid applied and then I was my payoff they told me they could not do that and the case was under investigation so I called every week on my day off for a few months and it was still pending investigation so I they told me I would receive something once the investigation was concluded so I stopped calling and I never got any notice the investigation was even over and I went to check my credit report and they put negative marks on my credit bad been charging me and adding interest for months and I have never got a call or a letter since the original letter notifying me that my account was in collections. And every time I did call and every person at that company was super rude I just wanted to pay my debt and get credit for what I already paid and they treated me like I was a criminal on trial.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (SC)

I entered into a three year lease with BMW Financial through XXXX XXXX BMW in XXXX SC, XX/XX/2019. I leased a XXXX XXXXXXXX and my ending lease residual in the lease contract is {$30000.00}. Upon lease end, I choose to buy the vehicle and notified my salesperson, XXXX XXXX. XXXX XXXX stated that we needed to bring the vehicle in for the BMW a lease end inspection. I took the vehicle to the dealership on XX/XX/XXXX for the inspection ( I had extended the lease for one month through BMW Financial ). The next day XXXX XXXX called and stated that the inspection was complete and that he would send me a proposed finance agreement for financing the purchase of the vehicle. When I received the finance agreement from the dealer the selling price was {$33000.00}, which is {$3400.00} higher than the BMW contract residual amount of {$30000.00}. When I questioned the difference, XXXX XXXX made reference to hand written figure on the sales document of XXXX that read : refund coming from BMW for the miles. If that money is due me from BMW, it should have nothing to do with the residual price of the vehicle. I appears that XXXX XXXX BMW is engaged in deceptive business practice.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (FL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXXXXXX Balance {$4500.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX  XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX WY XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act XXXX acct # XXXX 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.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX CO XXXX XXXX - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX A XXXX Balance {$1500.00} ; XXXX XXXX XXXX  XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX Balance {$4500.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-12
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. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

I made a purchase on XX/XX/19 at XXXX XXXX for {XXXX}. Checked my account balance at an ATM at a branch the following day XX/XX/19. I had a available balance of {XXXX} I withdrew {XXXX}. On that day I used my card at the laundry mat for {XXXX}. I knew I had to cover that {XXXX} the following day. The following day I went to the branch to deposit {XXXX} and saw that my bank account was overdrawn for the XXXX XXXX transaction, the laundry mat and an overdraft fee of {$36.00}. I asked a Teller at the branch to waive the fee and she stated the over draft was in pending status. That I had to wait for the following day until the overdraft hit my account. I was informed by the teller that I needed to contact the XXXX location branch regarding the overdraft fee. I contacted XXXX who is the XXXX XXXX at the XXXX location. He did not bother reviewing the account and stated that it was not a bank error and was not going to reverse the fees. As by this time I already accrued XXXX overdraft fees.
Consumer complaint received 2018-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (GA)

XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and ncb collection deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
Consumer complaint received 2019-07-18
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. (NJ)

XXXX wont remove inquires that they confirmed they deleted from my credit file the disputes were filed on XX/XX/2019 and wrapped up on XX/XX/2019 confirmation number of XXXX but the items still havent been removed also they are reporting 3 fraudulent accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and they arent sending the data to the companies I just started they are using XXXX XXXX system and reporting these accounts that are fraudulent I will sue XXXX also Experian is reporting a XXXX  account on my file and I do have a police report this is not my account
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I have been trading cryptocurrencies for a few years on Coinbase and CoinbasePro. My account has been locked however since early XXXX - for some reason I can not sell or withdraw my assets which are worth about {$15000.00} ( XX/XX/XXXX ) I have opened multiple tickets to get this matter resolved with Coinbase but they just sit on it for 20 days and send a response saying issue is resolved and just close the ticket. I have opened at least 6 tickets with no resolution. 

At this point I feel they are illegally holding my money without any form of communication. I need your help in freeing up my money so I can withdraw it forever from Coinbase.

To reiterate - I have money in Coinbase and Coinbase Pro. They are both locked since early XXXX. After a month of opening tickets and reaching out to them - I have no resolution and instead they send me automated responses falsely claiming that they resolved my ticket and end up closing my tickets without any actual resolution. This is quite frustrating and to me it seems illegal. 

Please help.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

Citibank has allowed numerous fraudulent applications to be submitted in my name which ultimately resulted in Fraudulent Credit Cards being opened with the bank that I didn't receive nor authorize. 

There was a double cash card that was reported to the bank as Identity theft, I did not open this card in 2018. This was also reported to the credit bureaus and citibank did nothing about it. 
Secondly there was an AADvantage Platinum Mastercard that was opened in 2018. Not only was this opened fraudulently and not authorized, Citibank was also advised of this and had an Identity Theft case opened on this card and nothing was done to resolve this. They attempt to say that I owe them a balance of {$12000.00} which I do not because this account was opened from a thief and I never received it. 
I have not opened any credit cards with citibank and the payments that were made to the cards were also fraudulent from a bank account opened by the thief. 

I only have a few accounts with citibank and these are Lines of Credit. I do not have any credit cards with citibank and I did not submit multiple applications. Yet, any time I do actually even think about attempting to apply for a card I am told I can't because not only do those fraudulent cards impact my internal citi relationship, they also sent me letters advising they were identity theft and never did anything about it. So not only does it discriminate and not let me apply for anything because they flagged multiple applications it also has a bad internal risk score because of the fraud.
Consumer complaint received 2019-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc (CA)

I am on XXXX XXXX military XXXX  and sent in documentation to Harley-Davidson Financial Services on XX/XX/2019. They have not yet honored my SCRA Benefits request. This is the second time I have issues with this company not honoring XXXX  military XXXX and failing to implement SCRA benefits.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax has not updated the information provided by XXXX mortgage XXXX provided wrong information to credit bureaus Equifax is the only company NOT to update after receiving info from me and XXXX they continue to leave foreclosure information on the bureau report even when asked by XXXX and my self to remove ( see attached )