davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (LA)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under. 

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. 
Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX -XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX -XXXX XXXXXXXX  # XXXX -XXXX XXXX XXXXT # XXXX
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AL)

I called Franklin Services to settle a debt I saw on my credit report. The amount the agent told me did not match what I saw on my report. I was told as a courtesy they withheld how much I actually owed on my credit report. I requested an itemized and detailed list of the debts owed. On XXXX occasion I was told it would be sent in an email. The second time I was told I had to make the request in writing. While waiting on the documents, I made a payment in the amount of XXXX plus fees. By the time the second agreed upon payment was due, I still had not received a receipt of payment nor an itemized bill. I called customer service and eventually ended up speaking to a supervisor named XXXX. XXXX literally argued with me about whether or not I received the itemized bill in the mail, blamed my post office and then retaliated after the conversation. I informed XXXX until he could produce proof I would not be making anymore payments. Since then my credit reports is impacted daily with delinquent notices from only Franklin Services. I dont believe all those delinquencies are accurate. I think they are resubmitting the same debts over and over to impact my credit. The amount still does not match what I was quoted or what I paid already.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

PLEASE FIND INCLUDED MY COMPLAINT WITH XXXX XXXX XXXX XXXX IN REGARD TO A FALSE DEBT REPORTING ON MY CREDIT PROFILE. THEY HAVE REQUESTED DELETION AND IM CONFIRMING WITH PROOF THAT THIS ACCOUNT IS TO BE DELETED IMMEDIATELY. YOU ARE IN VIOLATION OF 15 U.S. Code 1681c2 REPORTING INFORMATION THAT RESULTED FROM IDENITY THEFT. IF THIS DEBT IS NOT BLOCKED & DELETED, I WILL SUE THIS COMPANY.
Consumer complaint received 2022-08-23
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. (NC)

XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.
Consumer complaint received 2022-09-13
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: BARCLAYS BANK DELAWARE (IL)

This Barclays account is no longer past due or in a charge-off status. This account has been paid in full. Barclays has failed to report my on time payments to XXXX that were made made on this account from XX/XX/2022 XX/XX/2022 as proven by the attached evidence of my payments on the account. Also, see the previous dispute letters that I have sent to Barclays in an attempt to resolve the matter. 

Barclays responded with a letter dated XX/XX/2022 and AGREED TO REMOVE this inaccurate and incomplete payment account history from my XXXX credit report. See attached letter dated XX/XX/2022 from Barclays. 

As of XX/XX/2022, Barclays has not removed or updated this discrepant payment history from my XXXX report.
Consumer complaint received 2022-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

Hello I hope this finds you well, I have been a victim of a security breach and possible identity theft, which has caused over sowing in accounts, in addition to accounts being ironed without my permission and authorization. I have requested many card accounts to review this and disputed these matters and as if XX/XX/2022 XXXX XXXXXXXX XXXX for example has deemed this to be my responsibility. And I do not think this is a fair response as a consumer to the bank. In addition to phone lines such as XXXX XXXX are deeming accounts to be mine which I did not open. The company has adjusted charges but then resubmitting them to my account which is misleading and makes it nearly impossible to continue to support them as a bank I hope this is resolved as I know many other have been Exposed to this crisis of breaching and theft.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (AL)

I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CLGF Holdco 1, LLC (MO)

On or around XX/XX/2022 Destiny/ Genesis FS Card Services sent me terms and conditions of my credit card. I do not consent to the terms and conditions of my account and ask Destiny / Genesis FS Card Service to proceed pursuant to the ( Fair Billing Credit Act ) ( 15 U.S.C. 1666-1666j ) extension of credit. As of date XX/XX/2022 my rejection notice is forced.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have sent out a number of disputes letting Equifax know that i can not see my credit report, and scores. This is due to it being frozen, or something to do with fraud ; but either way I did NOT request this. From my understanding, and in order to freeze your report, you need to request this. Again, this has NOT happened and I am in the process of being approved for a home, and i can't get my Equifax credit report anywhere. I have tried with XXXX and others, but nothing. 

Fix this please please please. I beg you. 

Thank you
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

My wages were garnished due to this disgrace of a debt collection company using XXXX XXXX XXXX to take me to court. They never served me and could not prove that they did on XX/XX/XXXX in court. They served some man back in XXXX of XXXX that claimed to be my roommate. I live alone, work from home, and had been home working on the day that they served whomever this man was at THE WRONG ADDRESS! I tried to settle this debt in multiple occasions after I found out about XXXX XXXX XXXX  on XX/XX/XXXX of XXXX when my HR told me these people reached out to them asking for personal information. I had no idea who they were. I called and some lady started yelling at me like a maniac because I wouldnt give her my personal information. I dont know who you are so why would I? 

I called Midland to tell them that I knew nothing about this lawsuit and had been trying to settle it since I learned about it. The law firm refused to settle because I wouldnt give them a financial statement. LEGALLY I do not have to!! Instead they tried to bully me into this by garnishing my wages. I could not afford this and had to empty my account because of these disgusting, unethical, XXXX XXXX law firm. When I reported their tactics to midland, some XXXX guy using a fake name said he would have some department call me back and they never did. I dont run from my responsibilities and the fact I tried to settle this is good faith and was met with yelling and very rude people is by far the most disgusting part about this. 

The debt was charged off while I was STUCK IN XXXX DUE TO COVID 19 AIR CLOSURES FOR ALMOST A YEAR IN XXXX. The original debtor was aware and couldnt hold onto the account and I understood. I came home and got a job in XX/XX/XXXX. I had been trying to settle with the original debtor through the credit repair company that I had hired because I wanted to get my cards back. It was not my fault the world shut down. They put me through all of this nonsense and had the audacity to tell me to not be angry. Youve embarrassed me at my job, youve harassed me, and used a con of a law firm who couldnt even serve the right address which gave me no time or room to even settle this because they filed a judgment against me based on serving a complete stranger! There are XXXX addresses where I live that are identical except separated by street, court, circle or place. We barely get our mail delivered to the right address. They served another address and then used my real address on the service. XXXX XXXX  I called today to get this removed from my credit and some other XXXX guy with a fake name told me to call back in 7-10 days so that they can verify with the law firm that the debt is paid. I want this off my credit and I hope both the law firm and Midland get hit with a class action law suit for their unethical tactics. People like me who are not running from their responsibilities do not deserve this treatment.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$1600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.
Consumer complaint received 2022-06-09
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. (TX)

The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XX/XX/2021 I missed half of a payment to XXXX XXXX on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (MI)

I had to file a new complaint because I didn't notice they were doing this but from XX/XX/XXXX to Friday XX/XX/XXXX the site moneylion has been taking money out of my account and saying its debt when I don't own any debt. This site has been taking hundreds of dollars from me for no reason.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KS)

I have sent to coinbase pro service XXXX DAI. They have a policy that the deposit will remain pending for 35 block confirmations on the ethereum block chain before you have access to your funds. It has now been 48 hours and 12,000 block confirmations and coinbase still holds my deposit in " pending '' status. I have contacted them no less than 20 times and each time they send me a link to their policy saying I must wait 35 block confirmations. I have yet to get a real response from them other than they will close my account if I do not stop " abusing them ''.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX around XXXX EST I noticed a XXXX transaction I had submitted earlier in the day had been rejected. I called the toll-free number and was on hold for XXXX minutes before being asked to verify my name, XXXX, debit card number and other personal information. I was told that I would need to go through an automated verification process where I would need to provide my PIN number, the expiration date of my debit card and the XXXX digit numer on the back of the card. Despite entering the required information, it was rejected. I was instructed to call back again. I called back a second time and spoke to another XXXX. This XXXX, put me through the same automated process and I was able to access my account. On this occasion I was also asked why I was sending a relative this money. I was told this bank wanted to make sure I was not being scammed. I was also told that the money once sent could not be refunded. After being asked this question and the reason why my account was flagged ( the transaction was suspicious because I had not sent this large amount before ) I began to suspect this had something to do with my being a senior citizen. The algorithm used to determine fraudulent activity looked at amount and age of the sender. At any rate, the block on my account was lifted and I was instructed to wait XXXX minutes before sending the money. I waited XXXX minutes and the transaction was rejected again. On my third call, despite entering the requested information through the automated process correctly, I was not able to lift the hold.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (GA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

Some one has open a bank account using my name and information on XX/XX/2020 they never sent me anything on this account I was unaware that it was open .it 's comenity bank in XXXX XXXX tried to get it them to take care of it but they have not made any attempts to contact me
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

The short version : IC Systems attempted to collect a debt for a service that I never received and was never invoiced for. I paid the sum anyways to avoid blemishing my credit. Nevertheless, IC Systems continues to report it as delinquent to credit agencies. 

The long version : My son used to attend an aftercare program operated by XXXX XXXX in XXXX. His last day in the program was XX/XX/XXXX. We received the final invoice on XX/XX/XXXX and paid it in full on XX/XX/XXXX. We did not hear anything further about our account until XX/XX/XXXX when a XXXX employee emailed us to say that we had an unpaid balance of {$66.00} for the week of XX/XX/XXXX. We immediately called that employee and asked her to send us an invoice. She failed to do so. After consulting our calendars, we determined that our son had not attended XXXX for the week in question. We considered the matter settled until sometime in XXXX when I received a letter from the collection agency, IC Systems, demanding the {$66.00} that we didnt owe. I went ahead and paid the sum to avoid blemishing my credit. The payment was processed by XXXX on XX/XX/XXXX. However, IC Systems continues to report the amount as delinquent to credit agencies.
Consumer complaint received 2022-07-31
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. (MD)

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US EDU/ Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX Closed XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXXClosed -Account # XXXX Remove Immediately I have sent several request.!!