davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

I am submitting a complaint against XXXX XXXX XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a XXXX prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to XXXX to dispute the charge. The XXXX transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by XXXX for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, XXXX kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that XXXX has reported me to a collection agency for a purchase I did not receive. XXXX failed to notify me that they were sending me to collections for a purchase I did not receive. 

XXXX did not help me with this issue as I reached out multiple times for assistance.
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (OH)

While trying to sell a XXXX for a profit, their entire service went down before a drop in price. All these XXXX exchanges seem to go down when prices are about to drop. Pretty interesting. I tried to sell for profit and couldnt because they were down, when it came back up it had triggered a stop loss that the charts never showed taking place. Stop loss was set at XXXX price never went under XXXX. Instead of gaining the XXXX or XXXX $ from the sale I ended up taking a XXXX $ loss. They shouldnt be able to go down when markets drop with people money hostage. This is not fair. No warning or anything.
Consumer complaint received 2017-12-19
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. (WV)

On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( this one is also on my XXXX report ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( I 'm not sure what XXXX is ) XXXX XXXX, XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX  has violated my rights, Account # XXXX XXXX XXXXXXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-21
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: EQUIFAX, INC. (FL)

On XX/XX/2020, I dispute some items on my credit report such as date of reporting and date of last payment. On XXXX XXXX, I receive the results of my dispute and items were erroneously deleted. These items should be placed back on my credit report this has resulted in my credit score dropping at least 30 points. My credit reporting is not showing accurately This mistake was made by Equifax and it should be fixed by Equifax.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am so disappointed when I checked my latest copy of my credit report online..There is a bankruptcy reported under Transunion CHAPTER XXXX BANKRUPTCY DISCHARGED : XXXX which obviously not mine..If you see my credit report, all of my accounts were in good standing until I saw this.. I have never filed a bankruptcy in my whole life.. I challenge Transunion regarding the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OR)

My mortgage was sold from XXXX to flagstar bank taking affect on XX/XX/XXXX, I mailed my XXXX payment to the address provided for {$1800.00}, {$200.00} of which is supposed to be applied to additional principal. That check was cashed on XX/XX/XXXX and still hasnt been applied to my loan. I called flagstar on XXXX XXXX, and XXXX. Ive been given a case number on the first call, asked to email a screenshot of front and back of check on the second call, and was told it would be taken care of in 5-10 days of first call. On the third call XX/XX/XXXX was told its still open. Havent had flagstar reach out to me at all.
Consumer complaint received 2019-08-12
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. (GA)

Derogatory accusations including ALLEGED INQUIRIES must be XXXX XXXX compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
EXPERIAN 1- XXXX XXXX 
XXXX XXXX XX/XX/XXXX 2- XXXX XXXX  XXXX XX/XX/XXXX 3- XXXXXXXX XXXX XX/XX/XXXX 4- XXXX XXXX XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6- XXXXXXXX XXXX  XX/XX/XXXX 7- XXXX XXXX XX/XX/XXXX 8XXXX XXXX  XXXX XXXX XX/XX/XXXX 9- XXXXXXXX XXXX XXXXXX/XX/XXXX 10- XXXX XXXX  XX/XX/XXXX 11- XXXX XXXX XXXX XX/XX/XXXX XXXX 12XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-12
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: ERC (MA)

There is this account on my XXXX credit report that I do not recognize, the account is showing that it is in collections, I have never had an account with this company called ENHANCED RECOVERY COMPANY, there is no phone number being reported and it says that the account was opened in XX/XX/2018, I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I want this company to provide me with the original contract that has my signature on it that proves that I opened this account and also to provide me with any type of agreement between me and this company that says I have an obligation to pay them. The FCRA says that a creditor must provide the consumer with original documentation bearing the signature that validates the account. I want the original contract bearing my signature, and if the original contract bearing my signature cant be provided I want this collection deleted from any of the credit reporting agencies that is being reported to. I wont accept any copies of statements or an itemized piece of paper for validation of this account because that is not enough to validate it.
Consumer complaint received 2023-03-29
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2022 someone hacked my bank account with navy federal. They filed a dispute on my transactions and sent the money to their self. Navy federal didnt notify me of this situation nor did I get any text messages letting me know what had happened. I contacted navy federal and filed a fraud claim on my account. Navy federal then closed my account and told me I would be held responsible for the transactions that I did not authorize. I explained to navy federal that I didnt authorize those transactions and my account must have been hacked. I was told it could take up to a year to hear something back and if they deny my claim that I would be held responsible for the negative balance. So someone can just steal my money and get away with it and I have to be held responsible. Navy federal has a policy that covers any funds that have been taken from customers. Navy federal made me feel as if I was a villain instead of a victim.
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (TX)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (FL)

XXXX XXXX posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX and XXXX  have both removed the collection from my credit report, but XXXX   is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..
Consumer complaint received 2017-12-19
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: Midwest Recovery Systems (CA)

On XXXX XXXX XXXX I received an alert on my credit report that a company by the name of XXXX aka : Midwest Recovery stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted XXXX Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
Consumer complaint received 2021-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

My debt was transferred from Dept of Education to a private sector for debt collection. Under the current Cares Act and reformatory leniency, considering student debts I opted to take advantage. I was told a payment plant which would last 5 months before I'm out of default, and also, an option to pay {$99.00} for immediate opt-out of loan default. Upon calling this morning I was told that if I don't pay the full {$5000.00} that I wouldn't be able to remove the default, although it's been exempted in the Cares Act to help borrowers get back on foot for paying debt. This company is blatantly telling me they won't allow me to take advantage of this program. First I was told I'd have to wait 5months before I'm out of default although I'd be making payments and now I'm being told I have to pay the full {$5000.00} apart from any program to be cleared of student default. I would really like to start a process of getting my debt removed from this private business of the Dept of Education, which is Collections of XXXX at XXXX.
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient has placed my student loans under forbearance without my permission. I had been making payments. I actually should not have had to make payments on them because I was in school but Navient seemed unable or unwilling to put my loans under in school deferment regardless of my full time student status. I decided it was easier to just make payments on my loans while in school than try to navigate what feels like an intentionally unhelpful company system. I just logged in today to try and make one of those monthly payments and discovered this new change. I would like to say that I have noticed this before but thought that perhaps I was just misreading the information. Over the past year I have been paying more attention to their actions regarding my loans and am very concerned. I have also attempted MANY times to communicate with this company through their recommended message system. Everytime I have used this method I get an automated response that usually has nothing to with what my actual question or query was about. These automated responses usually discuss solutions to problems that are unhelpful and irrelevant to my situation ( s ).
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " XXXX XXXX XXXX ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (GA)

I have contacted Jefferson Capital Systems many times. The account is completely incorrect. Account is listed as open when it should be closed. Incorrect dollar amount. Company refuses to send any documents of proof to me. XXXX customer service reps who refuse to be of any real help. The 3 credit agencies claim they have investigated, but everything remains the same on my credit report. Please help my get this account removed asap. Thanks.
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (NY)

I have been working with Equifax to update or delete accounts that have errors on my credit report and Equifax confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Equifax and notice the changes have not occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture.
Consumer complaint received 2021-07-11
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. (IL)

Once again Experian is violating the FCRA and my rights. I sent in a method of verification request for a Chapter XXXX bankruptcy and Chapter XXXX bankruptcy that says filed in 2017. Experian sent me multiple letters that it was verified by the courts. I have a letter from the court stating they do not provide that info to credit bureaus and I sent it in. I just got an alert that those accounts remains because they have been verified. Really, I sent in the paperwork. I called on Wednesday and spoke with a young man after calling 5 numbers. He now stated well maybe we verified it through a third party. Once again really you all said through the courts. So now it is ok to lie and switch up incorrect answers. This is illegal and a totally violation. They are suppose to delete those off my report.