davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
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. (NY)

i am having a situation with identity theft on my file. i have sent in my police report on several ocassions to experian but i believe due to the corona virus mail has gotten lost or staff is to short to process. i am attaching my police report and i am including a list of the fraud accounts that need to be removed from my file XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Thank you in advance for any help you can provide in bringing this matter to a resolution. 

Thank you
Consumer complaint received 2024-01-31
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureaus asking 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
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NV)

i have an acct w/coinbase.com - the garbage about that isnt that i forgit my emaik address but i forgot the password i used on gmail and the verification? s so XXXX wouldnt givr me a temp password and lets say you forget the pass ok ya coinbade acct the only way they will let you bacj on ya acct is by sending that emaik addy a temp password. even though i will enclose the name address and ssn on that account.., :i have emailed them one time every week for the past month anf theyve just ignored me. 
i will attach solid proof of my old acct. 
can you help me get on my acct w/my funds?
Consumer complaint received 2019-05-29
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: Convergent Resources, Inc. (MD)

This student loan has a Max Delinquency date of XX/XX/XXXX and the account was closed and transferred to a collection agency as of XX/XX/XXXX. Per the FCRA, this account due to being a private student loan should have been removed from my credit XX/XX/XXXX at the earliest and definitely by XX/XX/XXXX. As of today, XX/XX/XXXX, the account has not been removed form my credit. We are outside the allotted 7 years that this debt is allowed on my credit per the FCRA. 
This was a loan that I co-signed for my brother when he was in school. I have only even had one student loan in which i have never missed a payment on. Below I have attached proof of the date of collection for the original account and the collection account with fees being added to it.
Consumer complaint received 2021-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

On XX/XX/2021 I authorized a payment through Navient 's online payment portal for {$900.00}. On XX/XX/XXXX, Navient had withdrawn two payments from my checking account, one for {$900.00} and an unauthorized payment of {$1700.00}. I called and was transferred from one department to the customer service department. When speaking with the customer service rep, she advised that they had to request a refund with her supervisor and let me know I had to provide my routing and account number in order to receive the refund. I advise they had it on file since they took the money from that account, they should put it directly back into that account without me having to provide the representative my information. Again she said it was required, I asked for alternative methods to receive my money back, she did not present me any options. 

I needed this money back in my account so I provided the routing and account number. She then told me that the refund request could take up to 24 hours and that I would receive the money back within 5 to 7 business days. When I asked how I would be contacted to know if the refund was approved, she said they " do not do that '' and I would have to call myself. I asked what confirmation number or ticket number I had to provide when I call back, she said there was not one. I asked her why there was no one who was going to contact me, and why this was going to take 5-7 business days when this was an unauthorized transaction. I also let her know I had taken screenshots when I made the payment on the online portal and I only hit submit on the website once and had a confirmation number of 176710039C for the amount of {$900.00}. She did not answer my question, she just moved forward and said that I can call back tomorrow to see if my refund was approved. I let her know again it was not acceptable that they are taking money unauthorized, letter her know again I did not provide consent to that payment and asked why there is no way to expedite that money back to my account. Again she didn't answer, and just said I can call back tomorrow.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.
Consumer complaint received 2021-07-16
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. (TN)

I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My credit score with experian is a XXXX compared to a XXXX with XXXX & XXXX with XXXX. Nothing on that credit report justifies a poor score. The only " repair '' they recommend is opening an additional 2 credit cards, which is ridiculous. Please advise on how I can fix this, I have been working exceptionally hard at improving my score for well over 5 years now ( talk about running in mud ) If I need to take out a loan for an emergency I would be sunk because of this score.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Creditech, Inc. (PA)

Creditech a debt collector destroyed my credit score by the way they report delinquent sewer bills. I have one sewer bill for the last thirty years that I make payments on. On my credit report the debt collector reports separate accounts for each year. I looks as though I have never paid anything on three separate accounts. They are destroying my credit. the dates are XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... credit report is showing four separate accounts as delinquent. Today XX/XX/XXXX I spoke to Creditech representative to complain ... number one this is a tax that is not subject to credit report. number two I have been paying XXXX a month on one account ... ... for a property at XXXX XXXX, XXXX XXXX, PA not 4 separate accounts.
Consumer complaint received 2021-09-14
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-04
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: Colony Brands, Inc. (CA)

Yes hello, I am being harassed buy a credit company XXXX  XXXX/Swiss Colony for a charge-off debt on my credit report. 
My account was closed and posed as a charge off on my credit report in XX/XX/XXXX, because of late payments that could not be made due to the loss of my job and no income at the time. 
Since that time and now/recently once again, they have continually intentionally put a bad mark on my credit reports as a charge off once again on XX/XX/XXXX. 
Like I said this is harassment and I would like it to stop! 
I'm fully aware of the amount owed/due, which is {$210.00}, not {$860.00} of the whole amount. 
I have made many payments on this account and they are trying to stick me for the whole amount/bill which is wrong and illegal. 
I would simply like to have this issue resolved/resolution made as soon as possible, I would appreciate it.
Consumer complaint received 2017-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

I did a modification and my mortgage company said they assessed the home for XXXX and when I received my XXXX county tax assessor for my home my home was valued at XXXX and that is a big difference for what my mortgage company stated. I also reported that I had a drop in income and medical problems in which is causing financial distress and felt nothing was done about that problem. In addition, I felt that my loan mortgagor stated fraudulent reports about the value of my home to keep my mortgage payments up.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (KY)

This goes with case number XXXX Fraudulent debt sold to Hunter Warfield debt collections. Placed on my credit report without any contact from XXXX XXXX or his property management team. 
This man appears to hide behind various small businesses that he owns. 
He also repairs nothing or makes a tenant whole. Fraudulent fines are given without any explanation for the fines. 
Many of his workers are undocumented. His management team is unsavory. He is well hidden behind them. I was sent an eviction notice after I gave my 30 day notice and paid my rent. 
His rental properties do not follow tenant/landlord law. He baits and switches. 
I feel the problem I am having is tenant retaliation.
Consumer complaint received 2020-05-08
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: Global Lending Services LLC (GA)

I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I am writing today in hopes to obtain your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) Between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2022-04-05
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2017-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (NV)

XXXX XXXX i lived in the XXXX area of XXXX XXXX with XXXX XXXX in residence. i moved to the XXXX area and did my due diligence in contacting and and verifying the move and XXXX XXXX is working in new home. Everything was verified and XXXX was able to provide service. the day of re-install i was informed they can not provide service, when i call them i was told that service is available in my area but few condos have backward facing patios and are blocking reception. XXXX XXXX suggested that i pay for remaining 6 months and i owe this due to my contract. I have contacted them twice to install and same answer that they can not provide service. I tried to get my contract nulled base on the fact i should not pay for services that i will receive. i spoke with many rep and finally i asked for a manger i may speak with and was told " you will go no higher than me '' they have sold my debt multiple times on my credit, where some credit collecters were abusive some understood my issue and the following month i was sold to another collecter. currently i am under AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX {$270.00} i feel my contract is nulled when no services are provided. Under my contract i am responsible prior to a move to setup re-install and insure that service are available in the new home. I did all i was required. if i followed the [ policy and was told under their reprensatives yes, and i shouldnt be responsible to fulfill my contract if XXXX Can not provide services.
Consumer complaint received 2024-01-31
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I recently reached out to Equifax via Affidavit dated XXXX XXXX 2021 in regards to a credit report from Equifax that revealed There is an item listed as pertaining to me, in the amount of XXXX that I do not recognize, which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the alleged debt is XXXX XXXX I advised Equifax that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I was never given notification by XXXX XXXX  of the alleged debt prior to it showing up on my credit report I was never given the opportunity by XXXX XXXX to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by XXXX XXXX before it could be assumed as pertaining to me. 

I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 

XXXX XXXX has engaged in clear violation of the Fair Debt Collection Practices Act : Section 809. Equifax at the point of this complaint still has not responded, I gave them a follow up phone call on XXXX XXXX to check the status and they stated that they could not locate the Affidavit. Unfortunately for me the damage and stress continues with each passing day. I have reached out to XXXX XXXX  and advised them of their violations and requested that they stop the erroneous reporting but they will not. I am now hoping to resolve this issue through Equifax if they are not immune to the Fair Credit Reporting Act
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There are Inquiries on my credit report that I did not initiate or authorize.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

1681g ( e ) ( 1 ) Election of consumer to be excluded from lists In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. 


Lastly, I exercise my right per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given the said company written, unwritten, verbal & non verbal per 15 USC 6802
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/22, a fraudulent transaction/transfer occurred on my account without my permission where {$49000.00} via my citibank account XXXX I called the customer service representative but to no avail. My money wasn't returned and Citibank did nothing in their power. I remained on the call for 5+ hours and by that time the unauthorized transfer was conducted. 

I want my refund back. The guy hacked into my phone without my consent.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX throughXX/XX/XXXX for when a final order was signed by a judge to stop and deceased startingXX/XX/XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As ofXX/XX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.