davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

On XX/XX/2020 I sent a certified letter to Nationwide Recovery Sys ( see attached ). I advised them that this debt is not mine and to please remove it from my credit report. Prior to this I requested validity and nothing was presented. After receiving my letter Nationwide recovery once again reported to the credit bureau this debt on XX/XX/2020. On XX/XX/2020 at XXXX XXXX  I called Nationwide Recovery to speak to someone regarding the letter I sent via certified mail. My call was passed around to 3 different people. The 2nd person stated that I had five accounts under my name, I said how can I have five and you are reporting only one. The 3rd person stated that he was a manager. Neither of the three individuals cited the mini miranda to me. I asked his name and he mumbled his last name so I could not understand. He then stated all calls are recorded. So I said great can I record the call as well. He then proceeded to say " I can not continue this call if you will be recording '' So I mentioned to him " since you are recording the call so can I and I don't see the difference ''. He then stated that it was for my safety, I responded saying thank you this is for your safety and mines as well. This gentlemen did not want to take my call thereafter. I advised that I sent a certified letter and wanted to speak to someone about the collection. He proceeded with he can not continue the call we then hung up.
Consumer complaint received 2024-01-31
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. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-02-02
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. (WI)

I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.
Consumer complaint received 2020-04-30
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED/XXXX XXXXXXXX {$180000.00} USDOE/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$990.00} XXXX XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2021-02-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from 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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-30
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$330.00} XXXX XXXX {$1100.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$8500.00}
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (CA)

RE-OPEN PREVIOUS CASES added to CFPB member account. 

The Navy Federal Credit Union stated : " that your ( my ) savings account is NOT protected from garnishments '' The Navy Federal Credit Union also stated : " that ONLY your ( me ) veterans compensation in your ( my ) checking account is protected from garnishments '' However, according to federal law 31 CFR 212.3, member 's bank " account '' means an " account, '' including a " master account '' or " sub account, '' at a financial institution and to which an electronic payment may be directly routed. 

As a result, the Navy Federal Credit Union fraudulently allowed a third party garnish my federally protected veterans benefits compensation of {$65000.00}. 

References : Title 38, Section 5301 ( 1 ) ( a ) Veterans Benefits and 31 CFR 212.3, Definitions.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I am writing about an account from Midland Founding, account XXXX opened on XX/XX/XXXX claiming a balance of {$1100.00}. Midland is a debt buyer, they claim this money was owed from an old XXXX XXXX credit card. 

On XX/XX/XXXX Midland funded attempted to sue me in XXXX Municipal Court, case XXXX, but the case was dismissed on XX/XX/XXXX when they could not prove to the court that I owed the debt. This can be verified by looking up the case at XXXX XXXX XXXXXXXX I notified both credit bureaus in writing of the dismissal. XXXX removed the account from my file right away, but XXXX would not because they say that Midland confirmed to them that I still owed the debt even after I showed them proof that their claim had been dismissed in XXXX Municipal Court.
Consumer complaint received 2019-05-23
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. (NJ)

I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

I believe Amex is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ). 

On XX/XX/2021, I opened a billing dispute ( dispute ref # XXXX ) with American Express regarding a merchant that had processed a charge which I did not recognize, nor from whom did I receive merchandise or services from. American Express is now in possession of ample evidence ( which I reattach as exhibits ) that I have returned the item and am entitled to a refund. I have supplied Amex with a XXXX return tracking confirmation, and 2 separate commentaries from the merchant itself that it has received the item, that a refund is due to me, and, most recently, that its records indicate a refund has been issued. This alleged credit by the merchant has not been posted, and should have appeared by this point. 

In the absence of any evidence that I transacted with this merchant and/or retained the item, or in fact any documentation at all, Amex still refuses to issue a provisional credit for this amount, which, in my view, suggests bias in favor of the merchant during this investigation. There is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (OH)

I am disputing this information. And seeking reports free from XXXX and Experian and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX 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 Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, XXXX, XXXX
Consumer complaint received 2020-04-30
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. (OH)

I am disputing this information. And seeking reports free from XXXX and XXXX and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as XXXX XXXX etc, its preventing me from getting proper housing XXXX, XXXX , OH XXXX, XXXXXXXX , TXXXXXXXXX, XXXX , XXXX, XXXXXXXX , TXXXXX XXXX, XXXX , OHXXXX XXXX, XXXX , NC XXXX, XXXX , NCXXXX 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 Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXXXXXX, XXXX, XXXX
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OH)

During the Covid situation has taken over our lives I contacted Ally who is where my car loan is through. We explained our plate loss of jobs loss of income loss of life.When contacting Ally they were willing to help us. Many months later the situation has not changed so which changed with their help they no longer are willing to help during this crisis situation. What recourse are do we have??
Consumer complaint received 2020-04-30
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2018-09-17
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. (TN)

XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

After a recent pull of my credit report I noticed a collection placed by this company which I do not know of or owe..I have no business with this company, no contract written or verbal, I have never heard of this company and I am not in debt with this company.. I sent a letter certificated mail requesting verification of this debt on XX/XX/2018 ... I have not yet heard anything from this company..they are intentionally reporting false and invalid debts on my credit report in an attempt to defame my character.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : COLLECTIONS XXXX {$990.00} not mine XXXX {$100.00} not mine XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Revolut Technologies Inc. (TX)

I made a transfer of XXXX  Shekels from a Revolut account to an XXXX bank account. XXXX Shekels were delivered. XXXX offered 0 fee transfers with a caveat that intermediary banks may have fees, but no estimation of those fees was provided. Further, upon contacting customer service, no explanation of the fees could be provided. I confirmed with the XXXX bank that no fees were charged to receive the money.
Consumer complaint received 2020-06-30
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. (ME)

I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting bureaus.
Consumer complaint received 2020-04-30
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: CITIBANK, N.A. (DE)

On XX/XX/20 I reviewed a copy of my XXXX credit report and noticed an inquiry from EXXON/CBNA with an identifier XXXX. I contacted XXXX via their online portal and asked to have the inquiry removed since I never applied for an account with Exxon. I also placed a " fraud alert '' on my credit bureau reports the same day. I received an update via the XXXX online portal several days later. XXXX indicated that they can not remove the inquiry and that I should contact the issuer. Today I received two Exxon credit cards in the mail. One was in my name and one was in the name of someone I do not know. I called Exxon at XXXX and spoke with XXXX. I asked that my account be closed and that the credit inquiry be removed from my credit bureau file. XXXX said she could not remove the inquiry and I asked to speak with her supervisor. She refused. I am asking for your help in having the fraudulent credit inquiry removed from my credit bureau file.
Consumer complaint received 2017-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have made an international transfer of XXXX XXXX to Coinbase Inc on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying they will not deposit the money into my account, but refund it within 1-2 business days instead. I have been waiting for the refund 3 weeks now and have not received any response or money back from the company. The customer service is not responding either.
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (WA)

XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
Consumer complaint received 2018-06-19
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. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.
Consumer complaint received 2021-03-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Navient is a rate reduction offering to lower interest in loans. XXXX Ive asked countless times, Can anything else be done to lower my payments? they say No repeatedly, when that is not the truth. I found out about the rate reduction option through several articles online. An option for an interest rate reduction should be disclosed when people ask.