davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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)

I dont know what to put here. I have never had a payday loan. I have never even heard of this bank. The personal info I saw listed is a mish mash of real names and places that relate to me personally and then a bunch of nonsense. I feel like the credit bureaus have my real info why isnt that used to fact check or authenticate the error. 

????
Consumer complaint received 2021-03-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (MN)

I have been unable to close my SoFi XXXX, Active Investing & Crypto Investing accounts because my Crypto Currency account has a {$.00} balance which is below the minimumSoFirequires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/XXXX butSoFicompleted the transaction leaving my account with a {$.00} balance. I have requested thatSoFiclose my account on four separate occasions but they have not closed my account because of the miniscule balance. My most recent request to close the account was on XX/XX/XXXX. On a prior attempt to close my accountSoFireplied ; We are not able to close the XXXX account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.
Consumer complaint received 2021-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XX/XX/XXXX {$4700.00}, XXXX XXXX XXXX, XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XX/XX/XXXX {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX, XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

My identity was stolen and used to open an apartment in the state of NC, I have never lived in nor do I know anyone that resides in NC, I have lived in GA for over 15 years. upon further review of my credit report, I saw that there was a balance of {$3000.00} and contacted the debt collection agency, National Credit Systems. I informed them that the debt was not mine and they sent me an affidavit to fill out. Prior to mailing it back, I called National Credit Systems to ensure there wasn't any additional information I would need to send along with it, the manager stated no, just the affidavit. To be sure, I sent a copy of the police report and my drivers license along with the notarized affidavit in the month of XXXX by certified mail which they validated they received XX/XX/2021 and that the fraud process would take 30 days, they were waiting on the rental community to verify the validity of the debt. I called again in the beginning of XXXX and they stated they were still in the process of validation. I called again in mid XXXX and they stated their investigation was complete and that they needed more information ( they made no attempt, written nor telephonic to request more information from me ), upon asking to speak with the fraud department they told me that I was unable to speak with them, they do not have a phone number/direct line to the department. Within the same call as I proceeded to get frustrated, the manager stated that the debt was verified to be mine and has been sent to their sister company ( Law Firm : XXXX XXXX ) and I needed to contact them for further information, there was nothing they ( National Credit Systems ) could do. Upon contacting XXXX XXXX, they stated that I needed to contact National Credit Systems regarding the fraud-related portion of the debt and I also needed to send them everything that I have already sent National Credit Systems for them to review. The companies have continued to place the file on my credit for debt collection, latest dates being XX/XX/2021 and XX/XX/2021.The companies have not completed their full due diligence to verify the validity of the debt nor have they provided me with supporting evidence of the results of their " investigation ''. Due to this, my credit score has lowered and I am unable to move out of my current residence due to the eviction still being reported on my credit.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX BANK XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX FIN XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (NJ)

I have been trying to repair my credit ever since XXXX has been died in 2013. It seems as though his mother who is so life has been using his Social Security number and also has been using my Social Security number. She is taking several credit cards out under my Social Security name against my home she also has used the death of her XXXX sons Social Security number to get credit cards and I can not get these things removed off of my credit Liens on my home I have worked so hard to to save my house and this woman who I cant even find has access to all my personal information and her son is my ex-husband and he is deceased
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (NC)

I saw my debit card had been used through XXXX XXXX time after time I contacted money lion to dispute these charges they denied my claim 8 filed identity theft.gov and filed a appeal and requested documents they moneylion used I have still not received these they denied my claim and I don't what else to do
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

Good morning After recent checking my XXXX  credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquirieXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Non-Medical ) - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

On XX/XX/2018 I entered into an agreement with XXXX XXXXXXXX ( representing NAVIENT ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, Navient only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called Navient directly and they keep saying it will take more and more time. I called XXXX XXXX Navient 's collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

On XX/XX/2020 I notified NCB Management Services Inc, that I never opened any account with this company. I was informed that they had received my dispute letter, my drivers license and my social and the police case number and that I would receive an affidavit in the mail. Well, I continue to call every 7-10 business days and each rep would claim the affidavit was in the mail. I never received the affidavit. On XX/XX/2020, I called again and the guy who answered the phone stated that he was reading from his computer accusing me of having this debt after I stated several times that my wallet was stolen and my identity was compromised. This company has chose to ignore all my law enforcement documents. This is not my account and it is causing a true hardship for me and my family. This company is saying I owe them {$7000.00}. 
I am a victim of fraud and identity theft and this company is trying to force me to pay for something I never took possession of.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I have received multiple letters from Convergent Outsourcing Inc. regarding multiple debts that are not mine. 

The first time was about a year ago regarding a XXXX account when I have never had an account with XXXX. 

Now, more recently they are incorrectly claiming I owe money to for a delinquent XXXX XXXX services account. While I did have an account with them I closed that account and paid all bills and returned all equipment in a timely manner. Upon contacting Convergent they admitted that the account on file had an address that was never mine. 

They are repeatedly and incorrectly assigning debt to me and others as seen on the complaints page of the XXXX XXXX XXXX  as seen here : https : XXXX Please help correct their practices.
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I tried to pay the debt for {$100.00} in full. They stated that even though they could take it off my credit, they would not for 3-6 months. Now, within two days, they took my credit down 9 points because they increased the debt amount by {$1.00}
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

On XXXX/XXXX/2014 someone tried to check my credit without my knowledge and created a hard inquiry on Experian that should not have happened. The hard entry is labeled XXXX XXXX at XXXX. Please have it removed.
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. (NC)

I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/2023 via phone and XX/XX/2023 to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc (CA)

This company placed this account on my credit report, I have disputed this account several times through all three credit bureaus and no luck. I have stated this debt is not mine and this account was open fraudulently. And I have been a victim of identity theift, so yes all my information will prove it's me? I'm upset with the company because they have not reached out to me on ways to clear this mistake up. I feel like they're not trying to help, but every time I dispute this account they make sure this account sticks.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Webcollex, LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

The debt Collector company by the name of : I.C System INC has be harassing My Credit and Damaging it out of Spite! They told me that they would purposely Ruin my credit Score. And now they are sure FLAGGING MY CREDIT 3 or 4 Times in less than a Month which I believed is illegal! Company phone number XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX. My name is XXXX XXXX, phone # XXXX i had to changed my number! Listed creditor : XXXX, XXXX XXXX XXXX Reference ID : XXXX. My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX. The last representative i spoke to i told him i did not have because Im struggling to pay my bills, i also told him that they are harassing me, and i need it to stop. He then told me that the are going to Damage my credit since am so rude telling him about harassment. I need my credit scores to be replaced asap! I.C System Inc FLAGGED MY CREDIT on XX/XX/21, XX/XX/21 & XX/XX/21. XXXX  times that i can show that the action is to damage my credit out of spite. I need help please. They are abusing there authority. Thank you, XXXX.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo customer representative made an UNAUTHORIZED change to my account without my permission or knowledge. The representative reported a legitimate charge to the fraud department and put a stop payment on the vendor after an unpleasant exchange where I explicitly asked her not to do so. 

Subsequent Wells Fargo representatives were not helpful in resolving this issue. I had to call several times, spend more than two hours on the phone, and worked with six different representatives to address specific aspects of the problem. I am still not sure the issue is fully resolved. The entire process was unnnecessary, time-consuming, and frustrating.
Consumer complaint received 2022-09-12
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. (GA)

During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.
Consumer complaint received 2020-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST PORTFOLIO SERVICING INC (GA)

I was in Bankruptcy for 18 months and discharged XX/XX/XXXX. I received my truck title from XXXX XXXX XXXX XXXX   the last week in XXXX, so no problem with this. 

However, My First Associates Loan Servicing LLC ( XXXX XXXX ) loan was paid off through the Bankruptcy Chapter XXXX on XX/XX/XXXX by XXXX XXXX XXXX too. 

I contact First Associates Loan Servicing by phone on XX/XX/XXXX and was told the loan was 61 days past due $ XXXX. The customer services rep put me on hold then came back and said I had the wrong number and I do not have a loan. The number I dialed was and was told my account was past due with a balance. Then I was told I did not have an account. The number I dialed was XXXX. 

Then on XX/XX/XXXX, I received an email to update my password on XXXX XXXX portal. On XX/XX/XXXX I did and I type a message inquiring about my title. As of today, I heard nothing from First Associates. Based on the internet reviews, I may never get my title back so I am seeking help from CFPB.
Consumer complaint received 2020-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, In XXXX a false negative report was recorded in the trans unions system. This negative report was received by my XXXX  card and my XXXX card. My XXXX  card noted it in my monthly fico score but took no action and my XXXX card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against trans union as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from transunion. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( transunion ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.