davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This is the second time I am filing a dispute against Fair Collections and Outsourcing XXXX. They are reporting fraudulently on my credit. This account doesnt belong to me. I didnt open this account, nor did I pay it. Someone used my information without my knowledge nor authorization. Please see the below FTC report and my driver license. plese remove this account form my credit profile.
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A. (NC)

I have a vehicle loan with PNC Bank. I called them to get their automated recorded system telephone number so that I could start making extra payments per month, they told me that they had that system but they discontinued the system, no reason given for the deletion. No reason needed, it is about money. Charge XXXX people XXXX dollars to make a payment you end up with XXXX dollars extra in your account!!! I am in the wrong business!!! I spoke to a manger by the name of XXXX XXXX and she was very evasive about the reason why they discontinued the automated system. I realize that I can go online to make a payment, I have been hacked twice from on line banking and no longer use it. I could mail it but then you would have to depend on the XXXX XXXX XXXX, no thanks!! I could drive the payment down there, wait, the gas prices would make that method wasteful to me!! What is wrong with making these people set the automated system back up again? Isn't this still a country of " we the people?!, or is it " we the crooks '' and we don't go to jail!!! I digress, thank you for your time.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

I HAVE A MEDICAL BILL ON MY CREDIT PROFILE THAT IS NOT MINE. I HAVE CONTACTED THE COMPANY ON SEVERAL OCCASIONS TO GET THEM TO REMOVE IT. THEY SAY THEY HAVE A COPY OF MY MOMS SIGNATURE ON FILE WHICH IS IMPOSSIBLE, BUT THEY DO NOT HAVE A COPY OF MINE. I FEEL THAT THE COMPANY IS ABUSING THEIR AUTHORITY IN KEEPING THIS ITEM ON MY REPORT WITHOUT PROPER VERIFICATION. MY MOM IS DECEASED AND COULD NOT HAVE SIGNED THESE OR ANY DOCUMENTS FOR ME AS SHE NEVER HAD POWER OF ATTORNEY. I WOULD LIKE THIS ITEM DELETED IMMEDIATELY
Consumer complaint received 2021-03-01
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)

The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, XXXX and experian is reporting this account. Yes I have notified them as well.
Consumer complaint received 2016-12-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: FIRST NATIONAL BANK OF OMAHA (VA)

The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
Consumer complaint received 2022-09-12
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. (GA)

a fraudulent account was opened with XXXX XXXX on XX/XX/2021 without my knowledge or consent. This is a fraudulent account and I have filed the appropriate documents to have this removed.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A. (FL)

Placed an order with this company called XXXX for a XXXX XXXX bundle. I never received any details in reference to the order so I submitted a dispute with my bank. As soon as the dispute was entered, I receive an email from a XXXX account with a tracking number. After looking over my bank statement the transaction was coming up from a XXXX account instead of the company that I originally placed the order with. When the item arrived it shows up significantly different from its description. A childs plastic whistle inside of an envelope instead of a XXXX XXXX. I immediately sent the item back to the address that was listed on the envelope. Im now going jumping through hoops to proof my case. Im being charged {$110.00} for a plastic whistle. When I check the site that I used to place the order the website has been removed since the order was placed. I have screenshots of what I actually ordered and what was sent to my address.
Consumer complaint received 2018-06-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED AUTO ACCEPTANCE (GA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted a request on the above dates to validate the debt I included the verbiage : " I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. " No information was ever supplied to me it has been almost 6 months
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Equifax. So the debt was paid in full. But Equifax still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I am a victim of identity theft in my credit report you have stated that i have an open account for 180 days, i am demanding proof of allege debt, I also obtained a police report # XXXX, and I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department to me and is a result of fraud that I did not authorize CREDIT ACCEPTANCE CORPOR Balance {$9900.00} Opened XX/XX/2014. The following items did not belong to me.
Consumer complaint received 2020-07-18
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 — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank states that on XX/XX/2020 my credit score from XXXX XXXX was XXXX. My information shows my credit score from XXXX XXXX was XXXX. I would like a copy of the report Fifth Third Bank received from XXXX XXXX that showed my score being XXXX.
Consumer complaint received 2020-07-18
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. (TX)

I checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-10-20
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ID)

I am a XXXX % XXXX Veteran and I am exempt from XXXX and medical bills, and the credit reporting agencies have XXXX and medical bills on my report that they will NOT remove. # XXXX complaint is being ignored, I contacted them 4 times via mail and online, and they always have excuse not to remove the inaccurate, obsolete and noncollectable information from my credit report. Same for # XXXX, and # XXXX-Experian. I sent them a as follows : 1. Copy of my FTC Fraud package, 2. Military I.D., 3. My driver 's License, 4. My Social Security Card, 5. Copy of my current apt . lease, 6. My letter of registration from XXXX Idaho car for Plates and title, 7. My social security card. 8. Copy of my XXXX ( military pay stub ). And they still say they need more Identification or that they contacted the creditors and the debt is valid, even though I am exempt from the debts on my report because I am a XXXX % XXXX Veteran. They are using delay tactics and son, please assist me. I have XXXX plus pages of information I sent them, I will try to upload them on this site if not I will send vial mail with the reference number I get at end of this complaint, plus the credit reporting agencies have the copies as well. I give you permission to have them send to you for this investigation.
Consumer complaint received 2020-10-20
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. (AL)

I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.
Consumer complaint received 2018-06-13
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: EQUIFAX, INC. (GA)

This complaint is in reference to information in my credit file. I recently received a copy of my credit report that XXXX, Equifax or XXXX publishes and after reviewing it I found a number of items on my report that are inaccurate. Im terribly upset after finding out that my report shows a series of erroneous items. 

I understand that XXXX, Equifax or XXXX should not be allowed to put an inquiry on my file unless I have authorized it. My credit reports showed credit inquiries that I did not authorize. I also have Extended Fraud Protections/Alerts placed on my credit files with my phone number listed requiring I be notified before my credit is accessed, that did not happen. 

The only inquiries from companies that should have had access my credit report are the following companies that I have authorized which are : XXXX XXXX, XXXX, XXXX and XXXX   XXXX for my home loan. 

These multiple inaccurate reporting practices has caused me to be denied after applying for new credit lines & is ruining my financial stability. This is unacceptable & they are obligated by law not only to correct what is erroneously reported, but also to remove what should not be in my credit report. Time is an important matter to me, and each and every one of the items listed below needs to be removed.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please have the credit inquiries that are listed below removed immediately from my credit file as they are unauthorized and are related to none of the aforementioned permissible : XXXX/XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) *This inquiry is 2 years old. 
XXXX ( XX/XX/XXXX ) XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX/ XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove all non-account holding inquiries from my credit report immediately as they are unauthorized!. 


I recently received a copy of my credit report from XXXX, Equifax or XXXX and after reviewing it I found a number of items on my report that are inaccurate and unauthorized. 
I have a Fraud Protection on my file so those inquires were not authorized by me. 
I advised XXXX, Equifax or XXXX, to no avail.
Consumer complaint received 2018-06-22
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. (PA)

In XX/XX/XXXX I contacted the TransUnion Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my TransUnion report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted XXXX on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted XXXX on XX/XX/XXXX with no resolution in sight. This credit card still appears on my credit report.
Consumer complaint received 2020-07-18
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: Synovus Bank (CA)

First Progress has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to XXXX for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from First Progress I  resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, First Progress Bank verified incorrect information on my XXXX Credit Report. In XX/XX/XXXX I first became delinquent on my First Progress Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX showed that my First Progress Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. I wrote and called First Progress to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from First Progress admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (FL)

From XX/XX/XXXX to XX/XX/XXXX they have called 47 times, sometimes 3 to 5 calls a day.

I have told them several times that we do not acknowledge this debt, but they continue to the point that I stopped answering the phone. The company is Diversify Adjustment Services.

I have a wife that had XXXX XXXX XXXX, but they keep on Colling.
Consumer complaint received 2017-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I initiated a wire transfer for {$12000.00} from my XXXX account over to CoinBase ( a digital currency exchange ). This wire transfer still has not hit my account in CoinBase and I have no access to my funds. I have actually successfully wired funds from the same XXXX account to the same CoinBase account in the past but for some reason, this wire is being held up on the CoinBase side. I followed all of the instructions CoinBase provides. This is exactly what it states on the CoinBase ( XXXX  ) page when setting up a wire transfer : " Bank wire transfers may be credited to your XXXX account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' My wire was submitted on XX/XX/XXXX at XXXX Est so it should have hit CoinBase the same day. I contacted XXXX and they show the transfer was completed on their side with no issues.I was provided this information from XXXX : Transaction number : XXXX and Fed reference number : XXXX As of XX/XX/XXXX at XXXX Est I still have no access to these funds. They are being held on the CoinBase side. I have tried to contact CoinBase numerous times. They have no phone number to call. On their website, the only option to contact them is by a web form. I have sent in a few requests on this web form. I have only received one generic response on XX/XX/XXXX that said this : " Thanks for contacting us, and sorry for the difficulty with your wire transfer. We are aware of an issue with incoming wires, and our engineers are working to resolve it as quickly as possible. We will follow up with you as soon as you we have an update. '' I have had no other responses from them. I have also sent them numerous private message on XXXX to their support department. They have not responded there either.