davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

In regards to XXXX XXXXXXXX XXXX : I made multiple attempts to find out what happened to {$640.00} of payments to my account since XXXX and its now XXXX and still no resolution and now threats of negative credit reports. I am now contacting the California XXXX XXXX, My state senator, and the XXXX 's XXXX. XXXX XXXX is extremely incompetent and should not have any control over student outcomes regarding such an important aspect of our lives. Basic accounting skills, payment paid then credit to the correct account? Not so simple XXXX XXXX. It is a distraction from XXXX XXXX, but it's ok at some point they will have to account for where my $ is and correct their multiple multiple errors. They really should look into there hiring practices ....
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was dating this person for 6 years and without my permission my information was being used. I contacted all parties who was involved and ask them all to provide me with copy of any agreements and contracts. No one has done so and I been fighting none stop with the credit bureaus to do a thoroughly investigation and not accept just words of mouth. This has really Damage me my life and my credit. I need someone help because I'm afraid that nothing going to happen and I'm going to continue to suffer.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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

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 XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX, Account XXXX, Acount XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and incorrect balance much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kinum, Inc., Indianapolis, IN Branch (CA)

They keeping calling me. I wanted to try debt relief but decided not to and now my debt has been transferred over to a new collector that keeps calling me. I didnt approve this and it was never on my credit report until these actions. I am very upset of the repeated daily calls.
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Accessity (CA)

This corporation called Accessity is refusing to give me a loan due to my credit report. 

I already told them they can not discriminate or deny me from any credit transaction pursuant to 15 CFR 1002.4. 

They denied me online first and that was it but I called to let them know my rights were being violated and then they said all they need was bank statements and that it would take XXXX weeks. 

The website shows that it takes XXXX days to be approved and receive funding so not only are they denying my rights they're lying. 


The woman I was speaking to that lied to me stopped responding after I sent more evidence that they are breaking the law and instead I received a message from someone who I dont ever remember speaking to. He didnt even get my name right.
Consumer complaint received 2023-10-20
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. (IL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/year>, unauthorized transactions totaling {$41000.00} and {$3600.00} were posted to my PenFed Credit Union account. I reported these transactions immediately. PenFed conducted an investigation and, in letters dated XX/XX/year>, and XX/XX/year>, confirmed that I was not liable for these transactions. They stated that credits for the unauthorized transactions were issued on XX/XX/year>, and that the fraud case was closed. 

Despite these confirmations, I have been unable to access my account online, and the credited funds remain inaccessible. Over the past few months, I have made numerous attempts to resolve this issue by contacting PenFeds customer service. Unfortunately, my experiences have been frustrating and unproductive : Representatives often transferred me blindly to other departments without providing any solutions. 
I received conflicting information from different representatives, including XXXX, who were unable to provide clear answers or resolve my issues. 
Despite my repeated requests, I still do not have access to my account or the credited funds. 

On XX/XX/year>, I spoke with PenFed again, and there has been no resolution. Over this period, I have interacted with nine different agents from various departments, including the security team, yet no one has taken responsibility for resolving my issue. Everyone at the bank continues to point fingers, and no one provides a clear solution. 

I am requesting the office of the president at PenFed to intervene, provide a clear explanation of what is happening, and ensure that I receive the funds I am due immediately. 

This ongoing issue has caused significant inconvenience and stress. I am seeking immediate restoration of full access to my online account and assurance that the funds credited on XX/XX/year>, are accessible without further delay. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NCB Management Services Inc. (GA)

NCB Management has participated in the violation of HIPAA, as a medical bill was sold to them and they collected funds from me. I paid the account off years ago and they are refusing to remove it from my credit. I have asked them to remove it, multiple times. Their violation of HIPAA should be addressed and this account needs to be removed.
Consumer complaint received 2024-06-14
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC (IL)

I enrolled with XXXX XXXX XXXX, when I enrolled, I would be paying XXXX and then XX/XX/year> the amount changed to XXXX. When I started my debt balance was XXXX my balance now is still XXXX. What I have seen come out are transaction fee of XXXX and customer fee of XXXX, since I've started, I have paid a total of XXXX. When I spoke with XXXX yesterday and informed, I wanted to cancel services, when she went over everything with me, she advised I owed {$900.00} in fees and asked if I could make a payment, I told her no. They never paid towards my small debt to clear it out, they claim they wanted to work toward the XXXX account which was the most and could face a court judgement. This Debt company has not paid anything I feel like they owe me all my money back from XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (SC)

On XX/XX/year> after seeing I had a collection account on my credit report that I was never notified about I requested debt validation to include the following If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but not limited to : A signed contract proving this debt belongs to me A last statement or bill proving how much I owe Proof of the last action taken on the account And proof that you are licensed in Florida to pursue this debt. 
On XX/XX/year> I received two letters, one dated XX/XX/year> stating they were conducting an investigation and second letter dated XX/XX/year> stating they thoroughly investigated this debt and they could not find evidence to support my allegations. They did not provide any sort of documentation that would verify this is even mine. The company attempts to skirt around the law and not provide documentation that is required when requested.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumeedr rights have been violated.

Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case. 
I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandeted by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (FL)

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from NCB Management Services with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with NCB Management Services which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from NCB Management Services to cease and for this account to be deleted immediately.

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 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KY)

XXXX XXXX bitcoin and several XXXX XXXX tokens from XXXX stolen threw identity fraud and changing of phone # and password on coin base and being cashed inn currently Coinbase account attached to XXXX and attached to phone number XXXX and account belonging to XXXX XXXX ss XXXX dob XXXX. Phone number on account switch to phone number ending in XXXX and password changed also also phone number was also changed on XXXX account link to Coinbase account. Also change the XXXX some of blocks on blocks on block chain in question XXXX will be linked to account in some way
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

ON XXXX XXXX I SUBMITTED MY IDENTITY THEFT REPORT TO EQUIFAX AND XXXX REGARDING SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT FILE. 

EQUIFAX IS REPORT 2 ACCOUNTS FROM XXXX XXXX  AND 1 ACCOUNT FROM XXXXXXXX XXXX THAT I DO NOT RECOGNIZE. I HAVE SPOKEN WITH SUPERVISORS FROM EQUIFAX WHO ARE NOT WILLING TO HELP ME. I NEED THESE ACCOUNT REMOVED FROM MY CREDIT FILE ASAP. 

XXXX IS REPORTING AN ACCOUNT FROM XXXXXXXX XXXX THAT I DO NOT RECOGNIZE I HAVE ALSO SPOKEN WITH SUPERVISORS AND THEY HAVE NOT BEEN ANY HELP. PLEASE HELP ME.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-31
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/2018 an FHA Valuation appraisal was performed and is currently flawed and tainted I requested another appraisal from XXXX XXXX. At Mr Cooper mortgage company the parent company of XXXX XXXX and the request was ignored. There were Violations of the Uniform Standards of Professional Appraisal Practice Standards. USPAP. Improper influencing of appraiser or the appraisal process. appraiser failed to follow specific FHA instructions for completing appraisal report form. FHA Appendix D Valuation protocol appraisal requirements 4150.2 page D 1
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my 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 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 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 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.