davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but XXXX  and Experian re aged account with severe derogatory status and I have been denied 3 loans recently.
Consumer complaint received 2021-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MN)

I am receiving phone calls of harassment, obscene, profane and threatening language from Radius Global Solutions LLC for an account # XXXX from XXXX XXXX XXXX XXXX for {$84.00} and thats not my account and is the result of identity theft. Radius Global Solutions is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX. 

For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time. 

I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply. 

Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.
Consumer complaint received 2019-08-23
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: EQUIFAX, INC. (MD)

on XX/XX/2019 i filed an online dispute and a dispute via usps mail. the dispute is on a collections account for XXXX XXXX hospital - the collection company is XXXX XXXX - i filed the original dispute on XX/XX/2019 and XXXX XXXX did not respond within the 30 days set in law by the fair credit reporting act. 
as of the XXXX dispute XXXX XXXX was 75 days with no response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

on XX/XX/2019 i filed another dispute on this item for reason of " disputed company did not respond within 30 days '' this was a result of waiting 120 days for a response that even to today - i have not received. i disputed via a letter via usps and utilizing equifax 's on line dispute tool. 

EQUIFAX XXXX COLLECTIONS -- NONE 1. XXXX/XXXX XXXX XXXX CFBP FORWARDED TO REGULATION DATA BASE - DISPUTED XX/XX/2019 XXXX XX/XX/2019 related to > 30 days no response to disputes. 

in accordance with the fair credit reporting act - equifax is required to remove this item from my credit file.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

We moved out of our apartment on XX/XX/2017 and were protected from shutoff due to an ill family member who is XXXX and her XXXX needed to be refrigerated and we were experiencing financial difficulties. We provided our doctor 's certification and were protected from shutoff off since we moved in. At the time of move out our balance was {$1200.00}. We spoke to XXXX XXXX and they informed us that if we began to make payments of {$100.00} or more, we would not be sent to collections. We began to pay more than {$100.00} or more every month after move out. However, I noticed on my credit report that XXXX XXXX although receiving monthly payments directly from me, sent our account to collections and reported it the account as write off damaging my perfect credit affecting my chances of obtaining a home. We have never dealt with any collection agency and have been making payments before this account was written off.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-05-02
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right 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 2020-01-28
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: Phoenix Financial Services LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2018-02-19
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: Rocket Mortgage, LLC (TX)

I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (DE)

I have a apple credit card from Goldman Sachs. In XXXX I made a purchase from Apple.com using this card. In XXXX I returned the products and Apple refunded me in full amount. When I made the purchase, I have 3 % reward cash from the credit card. When I got the refund, Goldman Sachs took back the reward cash. 

Now I have a balance due on my card, whose amount is exactly the 3 % reward cash. I called the customer service asking why. The representative told me that the balance was the reward cash issued to me and I need to pay it. However, Goldman Sachs already took the reward cash back when I returned the products. They still asked me to pay for it. 

I made a purchase using the card, then got the reward cash. Several days later I made a return and got the refund. The credit card company took back the reward cash. Now they are asking me to pay for what they already took back. In other words, I made a purchase and then made a return, got nothing, but still need to pay for the reward which they took back. 

This is definitely not correct.
Consumer complaint received 2018-02-20
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: FRESNO CREDIT BUREAU (WA)

Currently Active Duty Military, while permanent Changing station from XXXX XXXX, to XXXX XXXX, XXXX  I encountered an emergency with my dependent. I departed XXXX, XXXX in XX/XX/2016 and went on leave in transit to report to school in XXXX XXXX. While at school my Daughter and Son got  sick, called XXXX to see if we could take to local doctor to receive medical attention. XXXX approved the authorization for both children in XXXX, XXXX   where my family was staying while in school on official duty orders. When I reported to my permanent duty station in XXXX received bill from medical clinic in XXXX as past due. There was a lot of back and forth from the medical center and my insurance company XXXX, eventually out medical bills were covered and paid by our insurance company. Prior to being fully paid, the medical clinic that we had went to closed its offices and gave our past due account to credit bureau in XXXX, XXXX. Current status of bill was paid by my insurance company. Request to contact company to remove off my credit report.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (MN)

This is a complaint of record since the issue was resolved. 
*** I intended to to freeze my credit reports due to a notification of a potential identity theft threat. 

Both XXXX and Experian signed me up for a " credit monitoring '' service or membership with a monthly charge of approximately $ XXXX. each. 
Not only was I unaware that I had signed up for any service, I received no confirmation or receipt of said charges as one would with any online purchase. 
It was only when I saw the charges on my credit card bill did I realize something was amiss. 
I immediately jumped thru all the hoops to get the charges reversed, each took at least 2 hours just to track down who to call and what to do.

Both companies refunded the charges without dispute.

I filed a complaint with the State of Minnesota & they referred me to this website. 

As a side note, I had no difficulty with XXXX.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UT)

I had a stop-loss limit order on LTC-USD in XXXX which executed successfully : Order : XXXX Product : LTC-USD Trade : XXXX My USD account was never credited with the funds. Over a month later after calling support and nothing. Pretty straightforward, the phone rep understood exactly what was going on but couldn't do anything.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

My name is XXXX XXXX, I am experiencing issues with my account on the " Coinbase '' exchange platform, in which my account appears as " restricted '' for no reason. After trying to contact the company repeatedly to collaborate in case there was a problem with any document, I did not receive any response. It is a matter of vital urgency for me since there are some funds in my account, currently blocked as I can not operate with them. 

Best regards.
Consumer complaint received 2020-01-28
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: U.S. BANCORP (WA)

On XX/XX/2020 I received a credit card in my name from US Bank. I never applied for a credit card from US Bank nor have I ever had an account with US Bank.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (CT)

A fraudulent transaction was made on XX/XX/XXXX with a posting date of XX/XX/XXXX, XXXX to XXXX. I spoke with a rep with XXXX, a XXXX, he said order was shipped to a XXXX XXXX in XXXX, TX. This information was provided to bank rep whom took the fraud report, reported card as lost/stolen. This transaction is typical of fraud as item was shipped to different address than billing. I believe I have a new account number but have not received a new card as of yet, this happened previously, a new card was not sent out after reported lost. I had to make additional calls in before new card was sent out. The transaction needs to be disputed as well
Consumer complaint received 2018-07-31
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. (FL)

Experian and XXXX refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT EXPERIAN & XXXX   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

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 2018-07-31
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. (FL)

XXXX  and Transunion refused to Verify the following accounts that don't belong on my credit report. I AM REQUESTING THEY PROVIDE ME PHYSICAL VERIFICATION PROOF UNDER THE FAIR CREDIT ACT UNDER THE LAW, BUT XXXX & TRANSUNION   REFUSED TO PROVIDE SUCH PROOF. THEY CONTINUE TO SEND ME FORM LETTERS. 

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 2018-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (SC)

XXXX XXXX, 2017 XXXX XXXX XXXX {$XXXX}. I had insurance that I gave to this department that was never filed by them. I do not feel that I should be held responsible for an error they made. 

XX/XX/2017 XXXX XXXX XXXX, {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed. 

XX/XX/2017 XXXX XXXX XXXX {$XXXX}. I have no knowledge of this account or of the company. I have asked that this be removed from my credit and it has not been removed.
Consumer complaint received 2018-07-31
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: LEXISNEXIS (IL)

As of XXXX 2018, I called XXXX to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to XXXX  asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my XXXX  credit report it states Lexis Nexus as the company. XXXX has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an XXXX   rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chapXXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX. 
balance {$900.00} Date opened XX/XX/2022 XXXX USA Balance {$770.00} XXXX XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX {$260.00}, {$150.00}, {$180.00} XXXX XXXX  {$690.00} In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-04-06
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: 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 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 2022-01-18
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: EQUIFAX, INC. (UT)

XXXX XXXX XXXX CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

There is a name on my report that is not mine which is XXXX XXXX i have never been by that name and always went by XXXX XXXX i am asking for you guys to remove the incorrect name on my file and the bankruptcy that is on my file is not mine its not my name please remove anything that has XXXX XXXX on it off my report please and thank you
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Collection was opened on XX/XX/2018 in the amount of {$470.00}. After my 6 month plan was paid for in full and had come to an end, the company went to wrongly renew my policy after I had to told them I will not be renewing.