davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

ACCT : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt. You have not supplied the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for you collection of this alleged debt? 
Please send evidence your authorization to do business or operate in the state of Florida. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX, I purchase a ticket through XXXX. When I got to the payment screen there was an offer to open a XXXX XXXX and get a {$400.00} statement credit and XXXX miles. I accept it the offer and apply for the card and comply with their requirements. Today, XX/XX/XXXX I got in contact with AMEX, and I was told that because I already had another AMEX CARD ( not XXXX ) I couldnt get the bonus. No where on the offer said that a customer couldnt get the offer if you had another type of AMEX card
Consumer complaint received 2022-12-09
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: OneMain Finance Corporation (MI)

UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with ONE MAIN FINANCIAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with ONE MAIN FINANCIAL for reviewing of any sort. 
ONE MAIN FINANCIAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.
Consumer complaint received 2024-10-30
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXccount number : XXXX
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXX Wisconsin ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I've called in numerous times only to be ignored by the XXXX agents. I've mail letters only for them to be ignored. They will not honor my request to remove fraud alerts from my credit profile. Currently unable to receive a mortgage because I have these fraud alerts on my credit profile.
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

I went to refinance my home. I told my loan XXXX about a judgment that I had made arrangements on. He said it had to be paid so, they paid it. I called today to see if I could get every document contained in this collection file. XXXX XXXX said, the only thing I could get was a statement that it had been paid in full. I asked her why and she couldn't give me an answer. XXXX, XXXX, and XXXX out of XXXX, Tn. is the law office that I refer to. how is it that they get to keep your information after you have concluded your business? I find this to be highly suspicious. I don't want them to have anything of mine. I don't want them to have even my social security number. How can a company collect on a debt that has been charged off anyway? companies come in and pay pennies on a dollar for debt and then charge interest on it. This in itself is a crock. I'm expressing nothing but contempt for this whole process. I'm going to figure this out and when I do it going to be XXXX to pay. I didn't know the American citizenry was being taken advantage of like this. No wonder she is in the trouble she is in. This is sheer criminal.I want ALL my documents since I'VE PAID
Consumer complaint received 2022-12-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

Fedloan Servicing is still reporting student loan account with a balance to all three major credit reporting agencies even though the account was transferred to another servicer and they are no longer Servicing any federal student loans. I initiated a dispute stating the account has a XXXX balance and should be reflected as closed and they did not respond properly. They had a remark added to my account that I disagreed with the result of the dispute. They failed to update the account balance to XXXX  and to update the account status as closed. The account was transferred to XXXX on XX/XX/2022 and they still have not corrected the reporting.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (MI)

On the XXXXXXXX XXXX XXXXXXXX, I went to a local XXXX XXXX. to purchase a Netspend Prepaid XXXX Card. after putting XXXX dollars into this Prepaid Card. I Opened the site netspend.com to activate my card. I got a email a while later which before I had to use my social security number which I only have access to and i was out with my family on vacation while getting this but that information is going to be useful later on. I received an email from XXXX saying they could not activate my card. so they wanted me to call the number on the back of the card i bought. after calling the number. i attempted to activate via SMS. the link failed to load and kept saying error. So i resorted to dialing actually support on the phone number. When i got a hold of a support employee for activation. they asked for these : my first name, last name, last 4 digits of the credit card. my full social security number. my birthday, my XXXX i used to activate that account, and lastly a address, they said they got the information but said they were gon na hold the activation until i sent my social security card, my birth certificate, and my state id. which i dont even have a hold of, Neither would i want to give them that information on a prepaid card with just XXXX bucks on it. so on the XXXX XXXX XXXXXXXX i called again with the permission and help of my father, they still made it a challenge and didn't a activation, they still wanted my SS card, my birth certificate and my state id. still I'm hesitant to give such a company as netspend that. one I'm new with and just wanted to use a prepaid card for virtual purchases. I intended to use my money i put into this card. not work and stress my way to earn my money back.
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this erroneous accounts. I think you have not validated these accounts 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. 

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 2023-03-30
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. (MD)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

I had an open case # XXXX. As of today XX/XX/22 they have not corrected the un justice that they have committed by notification to the credit bureaus that this mortgage was paid in full. They need tp report it to the credit bureaus Please. 
Thank you, XXXX Bless, & XXXX XXXX.
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XXXX - XXXX - XXXX  I XXXX XXXX XXXX filed a complaint with you guys the CFPB about incorrect information on all three of my credit reports. I submitted documents showing numerous violations that are being reported and accounts that are duplicates. There are also accounts being reported by two different companies that are the same accounts. I have contacted these companies XXXX, Experian, and XXXX about the situation, and have been ignored. Knowing you guys ( The CFPB ) are over these credit bureaus, I would like to know why you guys are and enforcing the Laws that were put in affect by the Federal Government? Under 15 USC 1681n ( a ) ( 1 ) ( A ) The law states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I have sent numerous documents and pictures showing the violations and inaccuracies stated on my report. After calling numerous times and sending certified letters to these bureaus, Nothing has been done to correct the action or reimburse me for the damages caused by these bureaus. i have been denied credit, home mortgages, and car loan due to my credit. I request that the CFPB holds these credit bureaus accountable for their misleading actions against me. I have had to pay a higher interest rate on my credit cards as well. As a XXXX veteran I have yet been unable to purchase a home for my wife and my XXXX son. All I ask if for you guys to do the right thing and for me to be treated fairly as a consumer. I have proceeded to contact my State Representative and my State Senator on this matter. On XXXX - XXXX - XXXX I XXXX XXXX XXXX called the CFPB to disguise the situation i am facing with these credit bureaus, and the lady that I personally talked to told me there was nothing they could do for me and my situation because i was just one consumer? She stated there has to be more than one consumer in order to show a pattern before the CFPB will get involved. In other word as an individual consumer my problems means nothing to the CFPB. I was astonished by the words this woman said to me. I hope this is not the way the CFPB protects its consumers. As a consumer I have the right under federal and state law to be protected from such companies as these credit agencies. I will continue to proceed with letters to my representatives and toward litigation if nothing is done about my situation. All i ask is to be treated fairly like all consumers should be. Thanks again for your time and i hoope to hear back from you guys about my situation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and XXXX be in violation of federal law, specifically XXXX XXXX XXXX. 
Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that XXXX be considered extortionate. 

Under XXXX XXXX XXXX, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report XXXX constitute a violation of this law.
Consumer complaint received 2022-09-29
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. (DE)

" XXXX XXXX '' continues, still to report inaccurate information on all three major credit bureaus. I have disputed in which they never provided me with ANY requested proof of debt or VALIDATION METHODS. THIS IS AGAINST THE LAW. 

I also created an identity theft affidavit and submitted this in my recent complaint. The result was that they simply " updated '' the account on XXXX, which was literally just the same information on the account as before. 

DELETE THIS FROM MY CREDIT REPORT BECAUSE IT IS FRAUD. I NEVER AUTHORIZED THIS ACCOUNT AT THE AGE OF XXXX. 

IT IS ALSO PAST 7 YEARS ON THE ACCOUNT, A CLEAR BREACH IN MY STATUTE OF LIMITATION RIGHTS. 

I WILL SUE IMMEDIATELY IF AFTER THIS COMPLAINT THE BUREAUS HAVE NOT DELETED THIS FROM MY REPORT.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (IL)

I have a credit card for a XXXX XXXX I opened about XXXX years ago ( XX/XX/2020 ). My last name was misspelled and, for some reason I dont recall, it couldnt be fixed at that time. I just let it be because I still could use the card normally and I didn't think it'd be an issue. 

Fast forward to this summer, I'm in the middle of the process to get into my current job and I noticed that on my background check report it appears my misspelled last name on the " other names '' section. So when I went to a different location and asked if they could help me to correct my name there. They said yes and I put in the information they asked for- thinking it was to find my account to modify it. At the end they told me the system wouldnt allow it so I should call. I honestly dismissed it because I dont use that card that often and, again, didn't think it would cause a problem because my current legal name has always be the same. 

However, I recently was checking the activity in my report and I saw I had a new inquiry by XXXX XXXX XXXX declined on XX/XX/XXXX. Apparently the way the cashier helped me was submitting an application for a new card without my consent, not fixing my name.
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Our current mortgage lender ( MR COOPER ) claims we currently owe {$470.00} under " lender paid expenses '' originating from a charge from our prior mortgage lender ( XXXX ). Our prior mortgage lender claims the {$470.00} charge was waived before the loan was transferred to our current mortgage lender. Our current mortgage lender claims the fee was charged back after it was transferred ( they confirmed the fee was waived prior to transfer ). Our prior mortgage lender claims it was NOT charged back after transfer Our current mortgage lender refuses to waive the fee and says a resolution will occur if our prior lender pays {$470.00} or if we pay {$470.00} to the current lender. Our prior lender will not pay this amount as it says the fees were waived before transfer of the loan to the current lender. 

I have been trying to resolve this issue between the 2 lenders since XX/XX/23 via emails, calls, and chatbot. I have documented all correspondence in the following word attachment labeled " XXXX resolution attempts. ''
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Skopos Financial, LLC (MD)

Purchased a vehicle and had it financed to include Gap insurance. The car was totaled in an accident XX/XX/2018 and paid off by my auto insurance. Recently, I found that the finance company was showing a balance of $ XXXX on my credit report. Skopos Financial sold that supposed debt to a XXXXXXXX XXXX XXXX. I have spoken with the claims agent at the insurance company that reports ; '' XXXX XXXX '' is a feature provided by the finance company not the insurance company. In this week I have called SKOPOS a number of times both their corporate number XXXX to receive no answer and their customer service number XXXX to only be disconnected after i entered my ssn. 
When I purchased the Gap insurance - I was led to believe that if anything happened with that vehicle this will fill in the Gap. I have noticed online there are a number of open lawsuits against this company and I hope they are not for fraud.