davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a business credit card with bank of America. Began a repayment plan. The attached email shows the agreement. It says I can pay online. Once started they closed my account. They send me emails telling me I have a new statement and to log on to view. However they closed the account so I can't view online. They also say I can make payments online. However this can not be done either. I have to call in or go in person. When I call there is a long wait to get ahold of anyone. I never know how much I owe, my balance or how payments were applied.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

A Debt Validation letter was mailed out to NCB Management services, Inc on XX/XX/XXXX via Certified mail requesting the following documentation that was not received. Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

I request via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX. 

Proof of how your company assessed the outstanding debt. 
Copy of the original contract bearing my signature. 
Payment history from the original creditor. 
Date ( that this alleged debt became payable ) : Date of Original Charge or Delinquency : Proof that you either own or were assigned the debt from the creditor? 
Amount Paid if Debt was Purchased? 
Chain of title on this debt. 
Proof that you have the right to collect this debt in my state. 
Proof that your company carries a bond. 
Proof that you can collect this debt from me. 
What fees/interest was tacked onto the debt? 
How were the fees determined? 
Commission for debt collector if collection efforts are successful. 

I did not receive the requested information, after numerous request. 

Upon reviewing my records I received on XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX a Debt collection agency ref account XXXX XXXX, XXXX writing to notify me that the company experienced a data breach with unauthorized access to certain systems network that took place between XX/XX/XXXX and XX/XX/XXXX this letter was dated XX/XX/XXXX. 

I have also received collection notice for another company XXXX XXXX XXXX XXXX also attempting to collect a Debt for referenced account XXXX XXXX, XXXX dated XX/XX/XXXX. Which brings my question of how NCB was able to acquire this debt from XXXX if the account was under XXXX XXXX XXXX XXXX? 

NCB has not properly verified the accounts by not providing a signed contract agreement between myself and NCB or providing the purchase agreement from whom they purchased this debt outlining the right to collect on this debt.
Consumer complaint received 2022-06-08
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. (CA)

On XX/XX/XXXX I received a notification from my Transunion account that I processed a hard inquiry with a company by the name of " XXXX XXXX ''. I do not have a relationship with this company, use their services, or rent a home to need to use their services. This was an attempt to use my identity without my consent. Upon discovering this attempt of fraud I froze my Transunion credit and all other bureaus. Fortunately, this company did not run hard inquiries on XXXX or XXXX. However, in order to remove this inquiry and protect my identity Transunion requested that I submit a request to the CFPB in order to proceed with the fraud removal of the inquiry. 

XXXX XXXX. Location : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX LCS ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PaymeXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Info : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX CT XXXX XXXX, NV XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VT)

I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through XXXX. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and Equifax, XXXX will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.
Consumer complaint received 2024-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XXXX my Wells Fargo debit card to make a purchase on a website that later turned out to be a scam. The website failed to deliver the product, and despite multiple attempts to contact them, I received no response. 

As a result, I filed a dispute with Wells Fargo to resolve the issue and recover the amount, which was approximately {$1000.00}. Unfortunately, Wells Fargo denied my dispute request and did not resolve the matter. 

I would appreciate further investigation and assistance in resolving this issue.
Consumer complaint received 2024-10-23
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. (MS)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

I an trying to refinance the loans for the last three months. This is not the first time. Try finding the site, even with a bookmark. The site is buried and very hard to find. Every time I sign into the site, my password doesn't work. That takes twenty minutes to get fixed. I have a password safe that remembers the password. That is them deleting my password. Then when I get in, my paperwork, which was accepted the last time I was signed in, suddenly isn't there or repeats that I have to submit it again. As though I never submitted it. It reports it isn't registered as accepted. I have to submit it again. I've done it four times so far in the last three months. I haven't even tried in the last month because I know I'll have to spend a good hour resetting and resubmitting everything, and it will all be deleted or ignored. They never were going to refinance me.No human has ever contacted me. The dates they have on their website saying that someone will contact me in three days ...? No one ever has. I can not get anyone on the phone. The phones transfer me around and then hangs up on me.. I get emails that say it's ( My paperwork ) accepted, then it removed off their site. I've been paying at the highest rates for 20 years and they never succeed in getting refi done. I'm out of work now and can't qualify for refinancing any more. I'm about to retire, so they successfully locked in the highest rate for 27 years. 
I never asked for Navient to take over my servicing. I never liked them. Getting service is impossible. The password thing has been prevalent for 20 years. They purposely make every attempt to lower rates impossible. I feel like the government sold me out to the highest criminals they could find. This has had to have cost me {$10000.00} over the years.
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (CA)

PLAZA SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Has been sending me collection notices in the amount have {$5200.00}. This debt is not mines. I do not know this Company. I have never been business with this Company. The Company does not have a contract with my signature.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXXXXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Employers : XXXX XXXX : XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
US SM BUS ADMIN ODA Date of inquiry XX/XX/2020
Consumer complaint received 2022-06-08
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX 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.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (FL)

In 2017 I was affected by Equifax 's data breach and classified as a

Fraud victim and placed on the extend fraud alert. As stated o
n the FTC 's website, Equifax 's website and the CFPB 's website : A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer 's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. EQUIFAX FAILED TO NOTIFY OTHER CREDIT BUREAUS which led to my information being compromised yet again. I put a Security freeze on my accounts. 

Under the

15 USC 1681b- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) in general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 US Code 1681b Permissible Purposes of consumer reports I never gave you any written consent to report. Reporting inaccurate personal information on all 3 reports after I requested that the information be removed. I sent letters to all 3 agencies asking for this information to be updated and I will follow up with another letter regarding this issue.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

On XXXX I placed my order # XXXXMy card was charged for this purchase of A Shower Installation. It shows that the order is completed but The XXXX XXXX XXXX does not have the order and refuses to answer the phone or complete the order which has a tenant waiting.XXXX XXXX XXXX XXXX XXXX gave me complaint # XXXX to give an order number or a completion and no call back.
Consumer complaint received 2022-06-08
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)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX with XXXX XXXX XXXX XXXX XXXX with Experian, and XXXX  XXXX with Experian 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 an account without my written instructions
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

On XX/XX/2022 I received a text text message at XXXX AM from Discover card services saying that a charge was being placed on my bill. The charge involved was on an old credit card from Discover that was used fraudulently not by me. The card was not lost stolen or anything but Discover card said that someone else had used fraudulently in another state. I immediately called and said that the charge which was a renewal of a XXXX membership card was not authorized because I had not authorized automatic renewal. Each time I called I was on the phone for an extended period of time. In about a week the company told me that they had taken the charge off my bill and I would see it on my statement in 10 days. That never happened. My credit card which Ive had since maybe XXXX is auto paid and never carries a balance. When this charge occurred it really was never taken off my bill and I paid for it. When I called the company to question they told me that the charge had already fallen off their copy and I should just wait a little longer. That never happened finally I called and spoke to a supervisor. the call took 47 minutes and she told me that even though the charge was put back on a subsequent bill and then taken off I made her realize that I had still paid for that on a previous bill she apologized all over the place and after 47 minutes of hold time while she was checking, said that the credit had been put on my old fraudulent case credit card number. She promised me that she would personally take care of it and I would see the credit on my billing statement online within 72 hours that was on XX/XX/XXXX. As of today I still have not received a credit that I can see another bill has been auto paid. This charge is for {$59.00} for a XXXX membership renewal. The supervisor told me that they realized when XXXX responded that I did not authorize automatic renewal. But I just cant seem to get my money back and I refuse to speak to these people anymore. They speak down to me and dont listen. they keep shuffling me from department to department. Apparently none of the departments speak to each other and they dont even make a referral to the other department. I want my money returned to my account. I feel like they have stolen money from me. I also feel like I have been bullied and abused.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; 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 2022-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (NV)

I am not sure what is going on, Venmo is saying I went against their user agreement but I have no idea what actions I took to cause them to deactivate my account! I have reached out several time to get my remaining balance from them and ask them what I can do and Im not getting a solid answer on what needs to be done
Consumer complaint received 2022-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

Ally Bank ( Account Owner : XXXX XXXX ) is claiming that fraudulent activity is being performed with my account ( without checking with the account owner that the activity was fraudulent ) and is freezing access to the account until an investigation is complete, which could take several weeks to several months to complete. Meanwhile there is no supervisor that can be talked to, no storefront to go into and the employees do not have any identifying information ( such an employee id, last name, email or phone number ). 

They will not close the account, allow me to login, or perform any actions that will allow me access to the cash in my savings account. They are holding my cash hostage for an unknown amount of time. There is currently almost {$12000.00} cash in the account, which I need to pay rent.