davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-05
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. (OH)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX amount {$380.00}. 

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address inXX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX. Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
Consumer complaint received 2022-01-06
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: CarMax, Inc. (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( XXXX ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

XXXX-2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But USAA has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! USAA NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax is showing that I owe {$1000.00} to a firm named named XXXX XXXX, XXXX ( bad debt buyer ). 
This case was taken to Mag. Court # XXXX before the Honorable XXXX XXXX XXXX, XXXX in court at XXXX XXXX, PA. on XX/XX/XXXX. 
I have notice of settlement/ withdrawal order signed by the judge. 
So far, I have disputed this item, which I have many times in the past to no avail. 

This should not be on my credit report if the case was withdrawn and I have never done business with this firm at all. 

Docket # XXXX Case was filedXX/XX/XXXX and withdrawn XX/XX/XXXX.
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (CA)

This morning around XXXX on XX/XX/XXXX, I was called by a debt collector from 'Unifin Inc. ' attempting to collect over {$900.00} in medical debt from XXXX for a XXXX I received in XXXX. I have received several calls from this phone number over the last two months, but every time I would answer the caller would hang up. This is the first time there has been a person on the other end. 

The woman on the phone told me how much I owed, and sent an email with the website XXXX in the signature on my request. When I told her I was pretty sure I had already paid the debt, she gave an insufficient explanation of the source of the debt. I told her I had checked my credit report a year earlier and had zero items in collection, but she had no sufficient answer for that either. 

I asked for her to send official documents in the mail, and she said she had sent them. She then told me I could make a deal to settle today for {$650.00}. I informed her I would need to double check with a credit agency to make sure the collection item was legitimate, and I could call back another time. She preceded to adopt a harshly critical tone, informing me that the debt may not be with them any longer after today, and they would pursue any means available to collect the money, and promptly hung up on me. 

When I checked my XXXX  credit report this afternoon, there are still zero items in collection on my account. I am fairly certain this is a paid debt. Unifin 's tactics, obtuseness, and opaque process are all very concerning.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I sent my student loan payoff amount in the form of checks to NAVIENT. I sent 9 checks to repay my student loan with an overage amount because I refinanced and the title company made them out for a previous month 's payoff. I instructed them on how to apply and its over a month and they have only applied two small checks. I 've called multiple times and they keep telling me to check online. All the checks were in the same envelope and I do n't understand why they ca n't apply my full payment even after multiple calls.
Consumer complaint received 2018-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I recieved a XXXX XXXX from AES consisting of {$2100.00} stating that some event occurred on XX/XX/2017 to trigger the cancellation of debt. I still have the loans with AES and am current on payments. In fact I have paid over {$100.00} extra each month on the loans to pay the loans down faster. I have no record of any cancellation of {$2100.00} of debt with AES. The person I spoke to on the phone could not figure out why it happened either.
Consumer complaint received 2017-03-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (ID)

We went to buy XXXX cars, and the dealership said they would run our credit once and share the info with the lenders. There were XXXX companies that hit my credit twice 10 days apart. XXXX and Wells Fargo Dealer hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed?
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C. (WI)

Wilber Group was contracted on behalf of an auto insurance company to collect money from me related to a superficial bumper scratch sustained to another vehicle in an accident I was involved in. They used threatening, abusive language to strong arm me into paying a vastly inflated sum that was several times more than the actual damages incurred. 

In particular they engage in a number of predatory and dishonest tactics attempting to force me into paying them additional money that is completely irrelevant to and outside of the original debt I was levied for the damages. When I indicated my interest in resolving the matter they reassured me that they would provide the necessary documentation stating I have settled my financial obligation to them and releasing me from liability immediately upon receipt of full payment. However once I completed payment and settled the debt in full ( receipt attached ) they deliberately stalled delivery of the Release of Liability form, trying to force me into paying an additional {$52.00} just for them to send the form in a timely manner. Then after they finally sent the form it was intentionally completed improperly, they did not even sign the form in spite of the obviously marked fields requiring signatures. In the letter accompanying the form they conveniently state that " Reprints are available for a {$100.00} fee '' - so they deliberately screwed up the form to coerce me into paying an additional {$100.00} to correct THEIR OWN mistake. 

The form is a standard form required by the state of Wisconsin that Wilber has to complete for each Wisconsin driver they have a file on, there is no conceivable way that Wilber would not know that the form, which has fields on it requiring signatures, does not need to be signed. Contacting them and requesting that they correct the document by completing the signatures and returning it to me is utterly futile as they keep stonewalling me and telling me they would call me back and ultimately doing nothing. I have fully paid off the sum they demanded of me and can't even get them to fulfill their own respective extremely basic responsibility of sending a proper release form. This company practices are beyond unfair, unethical and incompetent. It's clear they are getting away with these abuses because nobody is monitoring them and holding them accountable so they exploit people and XXXX them over.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

The information reflecting on the XXXX XXXX trade-line is inaccurate with Equifax. This trade-line has not been updated since XX/XX/2018, and it is now XX/XX/2018. There has been no change in data. There is a disconnect between Equifax and XXXX, causing incorrect data to reflect on my credit report.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (FL)

Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/2020. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I disputed this as identity theft. Caine and Weiner have no rights to my privacy. Yet they, stated, meets FCRA requirements. They received my information without my permission. Where is the proof I signed over permission for them to access my information?
Consumer complaint received 2020-11-25
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. (CA)

This is a response to Experian 's response to my CFPB complaint summitted on XX/XX/2020. Experian explicitly stated that in their opinion the CFPB complaint was not submitted by me. I will assure Experian that in fact I XXXX XXXX am capable of submitting a complaint, despite your perception of me. I will once again attach a copy of my ID and Social security number with a utility bill as proof of my identity.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (GA)

Corelogic is reporting incorrect information on my consumer report. My name is XXXX XXXX there should be no other name listed on my report. My address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect and should be immediately deleted. My identification is attached to this complaint do not request it to stall for time.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MI)

I bought an electric bike in XX/XX/2018 from a local retailer that was financed through Comenity Bank, which issues XXXX XXXX-branded credit cards. The card was sold to me based on the promotional financing, which advertised 0 % interest for the first year, and then interest charged on any remaining balance after that promotional term. Instead, they charged me {$770.00} in back interest! The advertising for the promotional financing was misleading at best if not outright dishonest. XXXX refused to refund me any money and XXXX does not think there is anything to be done, either, but I absolutely can not afford this extra charge. 

I know that XXXX XXXX hates me and wants poor people to suffer, so I don't expect this complaint will go anywhere, but I believe, somewhere deep down, that someone over there will care. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Citizens Bank accepted my deposit of {$150000.00} on XX/XX/XXXX. They claim they can not " verify '' the amount with XXXX XXXX XXXX. I asked them what they mean by " verify '' but they could not. I confimed with the title agency who has the XXXX relationship with XXXX XXXX and they they had over $ 5Million in funds available at XXXX. The name of the title agency was " XXXX XXXX XXXX '' of XXXX XXXX NJ.. They refuse to clear the check until XX/XX/XXXX. 

Citizens is clearly delaying the clearing of these funds to make money on the float. I suspect I 'm not the only customer getting screwed. 

Please call me at XXXX.
Consumer complaint received 2024-03-20
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. (GA)

Experian and XXXX continue to allege I owe a debt I do not. Georgia law states that a creditor can only collect up to 6 years after the contract and XXXX has went over that timeframe so the debt has been canceled and reported to the IRS as income. Reporting a balance due is violation of the FCRA.
Consumer complaint received 2022-01-06
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: Lendmark Financial Services (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount
of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

We wired in XXXX XXXX Dollars ( {$90000.00} ) to Coinbase via Wire Transfer with a Confirmed Receipt the Same day. 

Subsequent to that time no Funds have been deposited or credited by Coinbase to our account. The funds and either missing, stolen, or in some kind of limbo with Coinbase. 

We have attempted to contact Customer Support by Email and Phone more than two dozen times. The only response received have been Automated replies. We have requested return of the funds or credit for the funds. 

We have kept meticulous records of our contact including emails, calls, and non responses by Coinbase. 

It was only after the fact that our funds went missing that we read online that this same scenario is happening to dozens of people.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (TX)

I called the company to let them know that unfortunately I had lost my job due to the Covid-19 Pandemic. Being a restaurant worker, I saw all restaurants shut down in the XXXX XXXX area XXXX Because of this, I lost my employer health insurance and I had received some blood work before the shutdown. The charge of {$340.00} was then placed on my shoulders when I was out of work and also a XXXX XXXX XXXX at the University of Texas at XXXX. 

This is with Radius Global Solutions, the original creditor was XXXX XXXX XXXX XXXX. 
It was a charge for {$340.00} that became a collection account on XX/XX/2021. 
Paid on XX/XX/2021, after finally having enough funds to cover and still make ends meet. 
As of XX/XX/2021 the account is now updated to paid but still on my XXXX Credit Report as a collection. 

I spoke with the company to explain the situation, and received no guidance or help during the time of my job loss. 

Under the CARES Act - 4021 I don't believe that I should have a collection account on my account. It was something out of my control and the balance has been paid off since then.