davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

A collection account has been placed on my credit report in error. I disputed the results and requested an investigation. The investigation determined the account belonged to me without proof. The reporting Agency is committing fraud as they were aware the account does not belong to me. I never opened the account with the company and they do not have a signed contract with my accompanying information ( signature, date of birth, social security number ). I believe this company is attempting to shake down innocent victims with false and/or already paid accounts.
Additionally, Diversified Consultants, Inc. has made multiple harassing calls to my mobile phone number, at least two calls a day for the past six months, for a debt that does not belong to me. I have explained to them that the debt belongs someone else with the same name and that debt was paid by that individual, but the DEBT DOES NOT BELONG TO ME. I have requested proof of said debt they claim belongs to me and asked that they indicated where my matching social security number, date of birth and signature appear to no avail. When they provided information to the reporting Agency, and later mailed to my home address, they only provided information they knew matched, such as the name and address of the original debtor ( which, matches my contact information ) but did not provide or intentionally omitted the additional information that would clearly indicate the debt did not belong to me. The refused to provide the social security number, date of birth, and or signature of the original debtor. Although clearly aware that the debt did not belong to me, Diversified Consultants, Inc. placed the inaccurate debt collection on my personal credit file with the three leading credit union bureaus ( XXXX, XXXX and XXXX ). XXXX conducted an investigation and concluded that the debt belonged to me based on fraudulent information provided to them. I attempted to contact Diversified Consultants, Inc. and XXXX for a third and fourth time to provide proof that the debt DID NOT belong to me and that the original debt had been paid more than seven months ago to no avail. The inaccurate and wrongfully documented information is still on my credit report as of this request for intervention. It is my belief that Diversified Consultants , Inc. willfully and knowingly reported false information on my credit report when they realized they could no longer collect the ALREADY PAID debt that was paid to another party ( the original creditor ).
Consumer complaint received 2018-01-02
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: Clarity Services (TX)

hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from XXXX and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted XXXX XXXX about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been trying for one year to get my credit report and score. I have submitted numerous of times my identifying information and was told over and over that information has not been received. I called to get address to overnight the information to make sure that information was received and was told by two different representatives that there is no such address. After numerous calls, I was finally given an address. Credit reporting company still has not given me my credit report nor score as of today 's date.
Consumer complaint received 2018-01-02
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: Fidelity National Information Services, Inc. (FNIS) (TX)

hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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


I told Experian, XXXX, and XXXX to reinvestigate this account : : XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have XXXX USD in my online account with coinbase.com. I got a new phone which invalidated their 2 factor authentication. I 've gone through all their processes to reset the 2 factor auth for a new device, and I 've heard no response from them. I 've filed a support ticket, I 've sat on their support phone line for hours, and still nothing. It 's been 3 months and I ca n't access my account to withdraw my funds.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services (VA)

Lendmark Financial has been calling and sending mail to my mothers house about a previous car that I had. I constantly told them when they called to stop calling me as I was dealing with health issues ( XXXX and Covid ). They continued to call and ask for small payments even though I was not working and I stated that to them. last certified letter that they sent was on XXXX XXXX. They have also sent letters stating that they were going to sale my car even after me telling them I was going to pay them once I got back to work. They sold my car after almost a week after sending the letter.
Consumer complaint received 2018-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello, My name is XXXX XXXX. I am writing you because i reach out to trans union about being an victim of the inquires issues. They told me they will not remove the inquires off my credit. I asked to speak to an supervisor. I was hung up on twice and they told me they will not remove the items. I explained to them that I will reach out to Consumer Finance website and do an complaint. I was told OK that is fine i am not able to do anything. I spoke with three different representative who was not willing to help me. I was told this will sit on my credit for two years. I am not happy with this. I am in the process of buying an house and i do not need anything affecting my credit that i did not apply for. 
I am going to do an list of the inquires for you. 
1. XXXX XX/XX/XXXX i did not apply for this or recognize this. 
2. XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13 XXXX  XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

On or about XXXX XXXX, I discovered that my bank, Navy Federal Credit Union, had authorized a fraudulent XXXX XXXX transfer. I reported it as soon as I discovered it, approximately one day after it actually happened. I was notified on XXXX XXXX that they believe it was not fraudulent, and that I authorized the transaction. The only evidence the " investigator '' reviewed was the phone call ( comparing our voices ) and the name of the recipient of the transfer ( apparently myself ). He failed to ask me anything relevant to the transaction ( he only asked me about my military rank because he believed it to be an error in the system ). If he had, he would have determined that I was not in the apparent location of the received funds, in FL, but rather in NC. It 's beyond belief that he 's relying on the fact that the funds were received in my name -- my identity was stolen, of course the criminal could make a fake ID with my info.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have sent several requests to validate this account with no response. This is not my account /debt. This is a hippa violation with no legal contract in place. Please remove from my credit report. Disputes has also be submitted. I'm prepared for further action this continues
Consumer complaint received 2018-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (FL)

on XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX placed a collection on my credit in the amount of {$2300.00} at the time i had insurance so i had no idea of the bill untill XX/XX/XXXX when i was in the process of reparing my credit. XXXX  removed it and placed it back on my credit without notifying me
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (FL)

I was told by a bank manager when i went to open a new bank account that my credit was flagged for fraud. So for some reason I ca n't even get a bank account. I do not know where this is coming from nor do I have knowledge of how it occurred and after requests still have not received a copy of my credit report with it on there. ive been working for over a year to repair what damage a younger me had done to it. So please what steps can be taken to remove any such marks off my report
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon rechecking my credit report I've noticed the same errors are still on there despite the violations I provided. This is my last time bringing this to your attention before I file for litigation. You are damaging my reputation, and defaming my character by reporting Information that goes against my rights, and the laws of congress. You are sending pre-written generated letters that are not solving the issue, for instance, pursuant to 15 U.S.C 1681a ( 2 ), any report containing a transaction or experience is to be excluded from a consumer report. All the accounts I've shown were the case. So by now your willfully ignoring this law which is adverse to me and is grounds for actual damages. I'm demanding you remove it immediately and I will use this complaint as an exhibit if you choose to ignore or misdirect my complaint.
Consumer complaint received 2018-01-02
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)

I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

A lawsuit was filed against me by Pressler & Pressler Law office. I was never notified stating that a lawsuit would be taken if debt isnt settled. I found out via an already filed suit.
Consumer complaint received 2018-01-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was XXXX from chapter XXXX Bankruptcy in XXXX Credit Acceptance Corporation garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX Credit Acceptance corporation garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX Credit Acceptance Corporation garnished my pay again. I submitted my bankruptcy paperwork to the attorney for Credit Acceptance in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to XXXX, XXXX XXXX XXXX XXXX to resolve this matter and I have received no help.
Consumer complaint received 2018-01-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC (TX)

Had a medical bill on my credit report from XXXX medical center at the time that the medical incident occurred had XXXX has having it taken off my credit more than once he keeps coming back on my credit report under different collection agencies the debt has been paid in full under XXXX if it has not I did have XXXX would like them to stop placing it on my credit report and a different agencies
Consumer complaint received 2018-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sherloq Group, Inc (FL)

I have reached out to the company Merchants Association regarding a medical bill that is being reported to my credit report. The company first off started reporting on XXXX/XXXX/XXXX, which at the time they did not have a valid license to collect in the state of Florida. I called the original creditor and they stated account could not be paid with them because they no longer owned the account. I contacted Merchants and explained the situation of the bill they are reporting that I have yet to receive anything and they are reporting without a valid licenses which expired XXXX/XXXX/XXXX. I requested to have the information deleted and removed with any negative comments on my credit report. I was told that I will receive a return call in three business days. It 's now being two weeks with no return calls.
Consumer complaint received 2021-09-09
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. (CA)

I disputed my credit file on XX/XX/2021 with Equifax after finding numerous inaccuracies reporting negatively. They then updated my credit file on XX/XX/2021 and I still found inaccuracies. I then sent them a request for method of verification for the updates of which they received on XX/XX/2021 and they failed to respond within 15 days as per FCRA rules. I have sent all correspondence with certified mail and I do not believe that they actually investigated anything other than using their electronic methods. I want to formally make a complaint for Equifax to remove my negative credit file for violating my rights under the FCRA.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I am having a major problem with Navient. I have been faithfully paying and paying extra on my student loans, yet the balance is not going down as it should. Navient keeps mis-applying my payments and making interest-only payments on some of my loans. I have contacted Navient a number of times and have asked for managers/escalation, but they always tell me there is nothing they can do about past allocations, that they can fix it for the future, and we go over how to allocate my payment, then they do it wrong again. 

In XX/XX/XXXX I paid {$16000.00} on my loans. When the year began I had $ XXXX in debt and now my balance is still {$30000.00}. I have paid extra and watched the balance creep down to below $ XXXX and then, even though I am still over-paying - creep back up to above it. There is no one at Navient who can explain this to me! 

On XX/XX/XXXX the balance on one of my four loans was {$14000.00} and XX/XX/XXXX it 's {$14000.00}. I paid {$2800.00} in interest and {$340.00} principal this year. That makes NO sense whatsoever. The interest rate on this loan is 4.625 %. No one at Navient can explain this or help me with this.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I sold ( in trading ) my litecoin. XXXX is the transaction number. It shows as " completed '' " done '' and yet the money does not show up for more trading in My USD account or anywhere for that matter. Therefore I have not been able to buy or sell anymore with those funds. It was not a large amount because I was being careful and not to trust right off the bat and I 'm glad so far I have n't. I understand " slow '' but it is stated that these trades are instantaneously done. If they are gon na steal peoples money,, I want to be one to speak out to same others from this.