davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have reached out to Portfolio Recovery in regards to a XXXX XXXX card. I have never owned or applied for a XXXX XXXX card. I have asked for proof that this debt belongs to me. Portfolio Recovery has ignored my request numerous of times
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (PA)

There are five closed accounts from Navient on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Consumer complaint received 2019-10-29
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)

XXXX sent me a letter advising my credit information was used for an application on XX/XX/19. I did not apply for an account or services with XXXX so this application and credit inquiry is fraudulent. I tried to contact XXXX to report the fraud but fraud phone numbers and their website for fraud only offers automated messages that if you are not a customer you must mail in a fraud packet with a police report and photo id to even report fraud and start the process. I also tried to contact Experian at the number referenced on XXXX letter XXXX but there is only an automated prompt for credit alert, freeze, order credit report or info for credit on a minor. I tried all prompts and there are no options to file a dispute or talk to a representative. Experian online verified a hard inquiry was done by XXXX but their dispute website does not allow you to dispute hard inquiries online. It references to call a service specialist but the number takes you to the same automated prompt from the number on the letter and you can't get a rep or file a dispute. These hard inquiries adversely effect my credit score and will stay on my report for 2 yrs and Experian has no means to file a dispute for fraudulent hard inquiries to my credit report. I tried several phone numbers listed on websites but they all go back to the automated prompts with no option for a rep or to file a dispute online ( hard inquires ). I had other fraud on my account for hard inquiries including XXXX but i was able to speak to reps at XXXX to report the fraud. I placed fraud alerts to the 3 credit bureaus but am still unable to find a means to notify Experian that the hard inquiry from XXXX is from a fraudulent application. The hard inquiries resulted in adverse action per XXXX  letter citing " total amount of inquires too high '' and too many hard inquiries effects my credit score. Experian not having a means to dispute the fraudulent hard inquiries violates my consumer rights.
Consumer complaint received 2023-01-24
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. (TN)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

In XXXX of XXXX I stopped making payments to the original creditor ( XXXX ) accumulating a past due amount totaling {$250.00}. This account was sent to collections and acquired by Credence Resource Management. My XXXX  consumer report reflects this account, however it lists the date as being XXXX of XXXX and the amount being {$210.00}. I have never made any contact with either the original creditor or the debt buyer, nor made or offered to make a payment, and therefore have reason to believe this account has been illegally " re-aged. '' I filed a dispute with XXXX, whose investigation determined the date ( XX/XX/XXXX ) to be correct, when in fact it should be XXXX.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Contacted Bank of America about a checking account opened in my name. Was directed to the fraud department and they would not help me at all without me giving them my full social security number even though I had the account number since I got a letter from them stating I had a new account with all the info on it. They should have just closed the account when I said I didnt open it. Apparently this is a huge problem with Bank of America as it is all over the internet.
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IA)

The long and the short is Wells Fargo reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in 2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from Wells Fargo. Wells Fargo says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and Wells Fargo still reported as a bad debt, as of two days ago.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KY)

Reason I am disputing this account is because I have never lived at XXXX XXXX XXXX XXXX. I asked for documents associated with my full social security number and the Bankruptcy documents showing that I am the rightful owner of this account. Without this information LexisNexis in volition of my rights and I am in the process of filing suit. Again my address is XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. I have never resided at XXXX XXXX XXXX XXXX and I have not filed for any bankruptcies. Please remove all inaccurate information. I have sent a copy of my driver 's license and a dispute asking that all of this information be verified correctly. The information that was sent back to me was nothing proving that this information is correct and from a original source.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

My XXXX has been on hold since its purchase date. I '' m unable to transfer the XXXX out of my paypal account and no one can provide valid reason why. I've communicated numerous times via chat and on the phone support and have no resolution. today i'm told there is a problem with XXXX across all of paypal but that sounds like another false promise. I'm also told my best option is to sell, at a loss, and recoup the money into my paypal account rather than releasing my XXXX as purchased.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I tried/signed up for a phone plan with XXXX XXXX back in XXXX of 2020. I never received the SIM Card in the mail after 3 times calling and them saying they sent it. I could not utilize the phone or service during this time and was never able to use the service because I never received the SIM card to activate the plan. After hours of time trying to get help I was unsuccessful. Finally I got so frustrated I canceled the plan and signed up with XXXX. 

I kept receiving bills to my e-mail from XXXX and called more than 3 times and was assured the plan was canceled and not active and I should disregard the bills. Well they never stopped coming and I called/chatted/etc ... at least another 3 times and kept getting the runaround. Well sure enough I recently received an email followed by 2 letters from a Collection agency called Convergent Outsourcing Inc . I watched my hard earned credit score plummet XXXX Points!! 

This is an outrage, I tried and tried to call XXXX but that call everytime is routed to Convergent where they give you the same runaround. After asking for a supervisor etc I was once again assured this will be dropped and go away. Well surprise I got a " Final Determination '' letter in the mail the other day saying " This debt is valid, attached is verification of the debt. What was attached were the bills I kept receiving from XXXX even though I had never used their service not even for one minute! 

You simply CAN NOT speak to a person at XXXX unless you are signing up for a new plan. Other than that you are on your own. Horrendous experience from such a prestigious company they have gone horribly wrong. 

Please help me get them held accountable.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

I sent the following email to Navient and to the Department of Education. I 'm making everyone aware of the problem as it appears to me that Navient has been doing this now for quite some time with no resolution. I am filing a complaint and will do so with any other institutions needed as well as filing a lawsuit if need be. I have gone onto XXXX and XXXX and Navient is WRONGFULLY reporting my student loan debt as a negative hard inquiry to these agencies. You are also increasing the balance with interest! I am making the payments requested even after being put on an income plan and was told NO PAYMENTS for 20 years then the entire loan would be forgiven as long as the paperwork was filled out every 11 months. This is not the case and now it is negatively impacting my credit report as well even though every month you ask for a payment as well as charge interest on it meaning it continues to go up and never go down! I want someone to contact to me by email ONLY as it will be in writing. I am further investigating at this time what needs to be done. I expect a prompt response from someone in management at your company in regards to this matter.
Consumer complaint received 2020-05-06
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (FL)

I bought a XXXX XXXX XXXX vin XXXX on XX/XX/XXXX from XXXX XXXX   XXXX XXXX XXXX, the purshase price was {$4400.00}, but they added an optional gap contract {$800.00}, vehicle protection plan ( vpp ) {$2800.00}, vehicle care protection {$110.00} from XXXX XXXX XXXX XXXX of FL, so the amount financed went up to {$9300.00}. The total cost was {$19000.00}, when I contacted the dealer to cancel the optional charges they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it
Consumer complaint received 2017-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I opened a account with Coinbase about 3 months ago and after one month and a half I could n't transfer any bitcoins to other trading platforms because I do n't receive any SMS messages.I called the mobile provider and they said the problem it 's from Coinbase because I receive messages from anyone else which make sense.I emailed again Coinbase asking them nicely to disable any form of authentication so I can get my account back and after a week they said ca n't do that ( other exchanges can and sorted the matter within hours ) and the only thing I can do is to change my mobile number and I tried and it does n't work as well.Since last week I sent them 3 more emails and did n't get any answer.I do n't know what to do anymore.please help.
Consumer complaint received 2020-05-06
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (NC)

Ive reached out to this company National Credit Systems about this matter mid XXXX 2017. The amount shown is {$1800.00} and {$500.00} totaling {$2300.00}. Under the new law effective XXXX XXXX, 2017, any public record data must include name and addresses as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law, National Credit Systems listed does not include this information and should be deleted from my report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

Over a year ago, I used XXXX XXXX to enable WiFi in my house. We moved a few months later. I contacted XXXX XXXX to request installation at my new address. We scheduled an appointment. They did not show up. We schedule appointments three more times and after a month of rescheduling, still they do not show up. Finally, they say service is not offered in my area. So, I told them to cancel my service. They confirmed cancellation. 

Few months later, I receive a bill from XXXX XXXX stating my account is past due. I call them and explain the situation. " Service is not offered in my area. So I can not use XXXX XXXX. Please Cancel '' They assure me the balance is {$0.00} and apologize for the mixup. 

Few more months, bill is now in collections. Once again, I call them and explain the situation. Collection agency tells me to speak with XXXX XXXX. I call XXXX and am given the same reassurance as last time. I spoke with : XXXX, Employee ID # XXXX, from XXXX XXXX Internet Billing and Order Department. Located in XXXX Florida. Was given confirmation that situation would be resolved. Considering, they do not service my area and I told them to cancel account MULTIPLE times. 

After filing multiple disputes with XXXX, nothing has changed and it is still on my credit report.
Consumer complaint received 2020-05-19
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. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.