davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

BankruptcyXXXX  Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (TX)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I for 3 years have been disputing XXXX of unauthorized transactions made by someone who stole my debit card numbers and made unauthorized purchases. I do not know this person. I did not give anyone permission to use my card. No one had my card because I freely gave it to them. This is my 3rd attempt to complain and have my funds returned here. Both other complaints remain open. BOA received a copy of my complaints here as well as a police report for the charges. They are a no fault for unauthorized charges bank. It's in their card holder policy. There is no security feature on the XXXX unemployment cards only yet their regular bankers get one. Then they want to allow this to happen and literally rob out of work Californians it's insane. I'm begging for a resolve and I won't give up.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY (TX)

Hello Sir/Madam, AMEX freezed my line of credit and claimed that my both payments on XX/XX/2023 to the two credit card were not went throught and returned because there is no balance from my account of XXXX XXXX XXXXXXXX . In fact, I did have enough balance in my account and they deducted again on XX/XX/. After the payments made, they put my account on hold and remarked my payment didn't go through. Freeze my credit of line. 

I tried to solve the issue with American Express customer service and they still put last payments were returned on Tue XX/XX/XXXX  and could not be processed. Please contact your bank or account manager.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TN)

I requested proof of debt via credit bureaus when this appeared on my account. The company ( plaza services ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with XXXX. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.
Consumer complaint received 2020-04-27
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. (TX)

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Consumer complaint received 2023-12-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023, I received an American Express virtual prepaid Rewards card from XXXX XXXX rebate promotion. According to the https : //www.amexrewardcard.com website, the card is active and has a balance of {$75.00}. The Cardholder Agreement says the Card may be used at U.S. merchants that accept American Express Cards. The Amex instructions on how to use the card say to enter the card information as you would a credit or debit card in the payment method section and fill in your name and address in the billing address section. 

I attempted to use the card at XXXX. XXXX  website lists American Express as an accepted payment method. My order was cancelled due to payment declined. 

I also tried to simply add the card as a payment method at XXXX and XXXX XXXX with no luck. Amex says your American Express Virtual Reward Card can be used in-store to pay when added to digital wallets : XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX 

These are the steps I took to resolve the issue : XX/XX/2023 : Called XXXX XXXX customer service ( XXXX ) listed on the XXXX XXXX reward email. I couldnt get past the automated help to talk to a human. 

XX/XX/2023 : Called American Express Customer Care number ( XXXX ) two times. I was finally able to reach a human by pressing the option to report that my card was stolen. I asked why my American Express Reward Card was being rejected even though I wasn't exceeding the {$75.00} card balance. The customer service person first told me the card couldnt be used at XXXX and to try another merchant. I asked where the card could be used and she was unable to answer the question. When I told her that the XXXX website says they accept Amex, she changed her response and told me my card is working and it should work at XXXX and to resubmit my order. Amex customer service is incompetent and terrible! 

XX/XX/2023 : XXXX XXXX and chatted with XXXX from XXXX payment support. She informed me that XXXX requires a name and billing address to register a card as a means of payment in order to validate the card. Since Amex rewards cards are not associated with a persons name and billing address, they can no longer be used at XXXX. 

I would like to know how to make a purchase with my Amex rewards card. Amex prepaid cards are pretty useless in the real world.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through XXXX  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried several times to reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through CHASE bank and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX app. No XXXX, XXXX or other payment service
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC. (NJ)

I have an auto loan with Ally Financials, I recently moved from XXXX   XXXX to XXXX XXXX and I need to register my vehicle, however without the the title I can not do so. 

On XX/XX/XXXX, I contacted Ally for assistance on obtaining a copy of the certified title. They advised me to fax the documents, they were faxed and confirmation was received. 

Since i had not heard from them, A month later I followed up with Ally, and they asked me to re-faxed the documents and again on XX/XX/XXXX I sent them along with the previous fax confirmation. 

On Tuesday, XX/XX/XXXX, and on Friday, XX/XX/XXXX once again I followed up. They asked that I faxed the documents again. 

On XX/XX/XXXX they notified me that they dont hold titles on financed vehicles as per XXXX regulations the Department of Motor Vehicle held the title and that I needed to go to the DMV department. So, today XX/XX/XXXX, I went to the DMV department and they advised me I had to go back to and have them ordered the title as they own the lean on the car. So DMV were not able to assist. 

So, I went back and called Ally, spoke with about 4 different representatives for almost 2 hours and no one was able to assist.

On the fifth attempt I asked to speak with a supervisor, XXXX assisted me and contacted the title department, jointly, we spoke with XXXX who at the end told XXXX to process the title request ( she had no idea on what she was doing ). This time I was told to fax my drivers license and the DMV form, MV-902 ( XX/XX/XXXX ) and to call as soon as it was fax to confirm receipt. 

20 minutes after faxing the documents to the fax number provided for the 4th time ( XXXX ) I spoke with two different representatives with no success. They were unable to confirm this information, got frustrated and both times they hanged up the phone on me. 

As of today, this issue is still outstanding. No calls back have been received. I have been patient enough for the past 6 weeks. I cant even register my vehicle and its an inconvenience. I need help! I cant seem to go anywhere with these people. There customer service team appears to not know what they are doing and I have received different responses from different people on the same topic. They lock follow up skills, sympathy, and simply Do NOT CARE.
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MI)

Ive been submitting disputes to Experian credit bureau since XX/XX/2023. This company has failed on multiple occasions to provide proper documentation for 3 accounts listed on my report & falsely claiming they are verified. The other 2 credit bureaus removed the unverified Items & Experian keeps claiming that Im not the one filing disputes. They are being lazy & not properly Investigating two XXXX XXXX accounts as well as XXXX  XXXX. PLEASE INVESTIGATE MY CONCERNS IMMEDIATELY.
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (PA)

I have been trying for several months to get Nelnet to provide information on the number and amount of payments to my prior servicer ( XXXX ) as they have not been provided to me. I have at this point emailed them twice in XXXX, once in XXXX and again in XXXX and received no reply beyond canned responses saying their answering of emails is delayed and beyond that I have received no information. Several of my requests were made through their online form.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (SC)

I had lost my good paying job several months ago. I informed the company that I would be struggling to pay the loan payments once I started my new job with lower pay. They said ok. Since then though I have gotten phone calls almost every day, sometimes even two or three in the same day. They have been told to stop harassing me, and that they were not allowed to keep calling me so often. Sometimes I will answer or call them back to discuss my account, but they will CALL AGAIN, later on in the day about the SAME issues that we discussed earlier in the day. Today I go to check my mail and there was a HAND DELIVERED letter in my mail box from the company. They have harassed me too much. The more they harass me, the LESS I am willing to work with them, or to fi d a way to continue my payments as normal. Harassment is a crime and they need to learn it
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

In XXXX of 2022 I mailed XXXX a letter informing them that I am a victim of identity theft from a credit card that was in my name from them.. 2 months later Midland Credit Management purchased this debt. I informed them multiple times on the phone and in writing this is identity theft. I sent them a FTC fraud affidavit and gave them the police report number, # XXXX XXXX XXXX Sheriff Department in XXXX, Indiana. This company continues attempts to collect on this fraudulent account. 
mcm # XXXX XXXX customer # XXXX
Consumer complaint received 2023-08-21
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: Amsher Collection Services, Inc. (OH)

I have some issues on my credit file that need addressed. I have requested documentation from the following collection agency : AMSHER COLLECTION SERV XXXX XXXXXXXX. Please delete the above account they are not accurate and unverified XXXX FCRA violation. I have a legal right to dispute anything that does not belong to me
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (VA)

Received a {$500.00} Vanilla Gift Card from co-workers for my retirement. When I tried to use it, it is showing that no funds were ever added to the card. I contacted the issuer and they requested receipt information from when the card was purchased. That was provided to them as of XX/XX/XXXX and they have acknowledged receipt of the required documentation. They opened a case - number XXXX and told me a response would be provided within 30 business days, which would be XX/XX/XXXX. No response was received by XX/XX/XXXX so I contacted them on XX/XX/XXXX and they said it would be escalated and I would receive an email within 48 hours. No response so I called again on XX/XX/XXXX and was told the same thing, would be escalated and I would receive an email within 48 hours. No response so I called again on XX/XX/XXXX and was told the same thing - would be escalated and would receive an email within 48 hours. Still no response. 
The card was issued by XXXX, XXXX, Member FDIC. They are part of XXXX in XXXX XXXX, XXXX. Card is distributed and serviced by InComm Financial Services , Inc .
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes.

Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading.

In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

And account popped up on my credit report by the name of BULLCITY FINANCIAL SOL as a collection in the amount of {$290.00} per XXXX the agency has " The company that reported the information has certified to XXXX that the information is accurate ''. This account is inaccurate and no information has been provided by BULLCITY FINANCIAL SOL. I have NEVER done business with this company and have no idea who they are. 

I have requested an explanation of this alleged debt such what the balance is for, I requested a complete audit trail calculation of this debt including the complete payment history on this account so I can have proof that the amount is correct. Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave gave permission to have my information. A copy of their state license including license number that gives them permission or right to collect in my state. I also requested the purchase agreement and for them to swear under penalty of perjury during the alleged debt. And CEASE AND DESIST ALL COMMUNICATIONS IMMEDIATELY and this has not been displayed. This is a violation under the FDCPA.