davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Today, I contacted the collection company and asked if they could send me a validation letter of the debt and the countersigned lease agreement to the apartment. The refused to sed this information to me and hung up in my face. I did not sign for the lease and was just asking for proof since this was reported on my credit as a collection account.
Consumer complaint received 2023-11-22
Product: Credit 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: AMERICAN EXPRESS COMPANY (NC)

I have been a card member for almost 20 years of American Express. In XXXX 2023 I requested a heads start miles advance on two American Express Delta cards that I have. One a Delta Reserve and the Other a Delta Platinum. Both Amex cards. These advance skymiles were to be paid back over the next 6 month period initiated by Amex. Over the course of the 6 months I noticed that Amex did not take all the points that were advanced to me and made XXXX aware as I did not want any issues in being charged back for the miles borrowed and not repaid. This is at which time I was told by a Amex representative that unfortunately the balance of the miles needing to be repaid had to be earned specifically and paid back by each card and couldnt be used in combination. So even though I had more than enough delta sky miles to pay Amex back from purchases on there cards they would not take my miles from a combination of both cards. This is a matter of pure semantics. No consumer would know that they had to use a specific american express card to pay back miles to a specific card only for specifically the amount borrowed on that one card. They are BOTH AMERICAN EXPRESS DELTA CARDS. Money spent on American express, the same card issuer with the same partner XXXX. Now they want to charge me over {$3800.00} to repay them for miles that have been in my account for 6 months, available to them to withdraw, and further will not allow me to dispute the charge. This should not be legal and frivolous acts by creditor. They are saying I owe them approx XXXX miles when I have had over XXXX miles in my account available for withdraw within the 6 month payback period. I have called in at least 6 times on record to escalate the matter to executive office of which there is zero phone number they will give you to handle such matters and totally unacceptable. I will also be reporting this to the banking commission. I spend a XXXX  XXXX dollars a year on my American express cards and this is absurd the amount of time this has taken me to get this situation resolved.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed my onlinebanking. my debit card and is in process of closing my checking.They have my account restricted to non-withdrawl of funds saying they will mail me a check in ten days.No prior notice. yet they are still allowing funds in but none out. I switched my direct deposits to another bankThey will not give me a reason just that the contract I signed gives them the right to do so.This all started on XX/XX/2018 pst about XXXX.Still can't get them to let me close it, get any funds or check my balances.
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 — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : UT also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (FL)

XX/XX/2023 - I was contacted in the morning by a block or unknown number attempting to solicat information and requesting to identify myself. I requested information on who is calling. They responded " XXXX XXXX ''. I after requested what company are you soliciting from and she replied, " a business ''. I promptly hung up. 
- The same person called me back, from the unknown number again, stating to want to speak with XXXX XXXX. Finally identifying the company as Recovery Partners. Then began to claim I was involved in an accident while i was not in ownership of a vehicle. And that, since i refused to give them information, after they did not identify themselves, that they will be suspending my license. 

XX/XX/2023 - After doing online research, I found the company and the contact information. After getting connected with XXXX XXXX, i had her pull up whatever " information '' they had. The information through looking through it and them making me sent proof of nonownership. Revealed the false claims and the abusive and preditory calling practice. After upon the discovery she tried to justify the threats and actions of infringing on my rights as a private citizen.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit report has accrued fraudulent items possibly from the Equifax data breach, the record indicates that my personal information was impacted by this incident. The below accounts on my report are not mine and i do not have a signed contract with them. 

XXXX / XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$890.00} XXXX XXXX/ XXXX # XXXX / Bal {$260.00} XXXX XXXX XXXX XXXX XXXX # XXXX / Bal {$1000.00}
Consumer complaint received 2023-04-20
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)

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to blocking made on the basis of a material misrepresentation of factory me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as consumer. 


SEE ATTACHMENT
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am submitting this dispute due to the blatant violations of the Fair Credit Reporting Act as mentioned below. Congress has found that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Correction to the following violations of law needs to be performed to ensure the protection of the consumers rights. 

Violations : 1. The law ( 15 USC 1681 ( 2 ) ( A ) ( i ) ) excludes transactions or experiences between the consumer and the person making the report. 

The law does not permit transactional history to be displayed on the report but every account on my credit report contains transactional history which completely violates my right to privacy. 

THERES NO NEED TO LIST EACH ACCOUNT THAT IS IMPACTED BY THE STATED VIOLATIONS BECAUSE EVERY ACCOUNT IS REPORTING TRANSACTIONAL HISTORY. 

2. The law ( 15 U.S. Code 1681b ) requires permissible purpose in written form from the consumer before adding anything to the consumers report. 

This agency did not receive my consent in any form before adding a collections account to my report nor do I consent to the report of this account. 

Collections : XXXX XXXX XXXX 3. The law ( 15 U.S. Code 1681b ) requires permissible purpose in written form from the consumer before adding anything to the consumers report. 

This agency did not receive my consent in any form before adding inquiries to my report nor do I consent to the report of any inquiries.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

XXXX I received XXXX calls today from XXXX at Portfolio Recovery Associates. XXXX stated that I had a payday loan in XXXX ( I filed bankruptcy in XXXX ) and that my wages would be garnished due to no payment. XXXX was VERY rude and threatening. Today was the very first time I had heard from them. Nothing has been sent in the mail. My attorney looked up the number and said that this was a spam call but I am XXXX XXXX XXXX and I do not need that kind of stress in my life. These people are unbelievable. 

XXXX XXXX The name was under XXXX XXXX. I was married in XXXX and changed the name to XXXX. 

Thank you
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (NV)

The bank of Montreal had a Fraud investigations person contact me XXXX weeks ago, and took the claims over again that Ive had ongoing for XXXX months before the merger during the merger, and after the merger with XXXX XXXX XXXX XXXX, I tried to get the money out of the account and close the account that I have which is a secured card for {$12000.00} that I gave to the bank and they couldnt close because they didnt know how inside the branch in XXXX and now all the claims have been credited to my account but the person who took the claim told me that I cant go pick up my money until Friday and Friday is a closed XXXX XXXX again Im astounded at how this bank is treating my issues and dragging on time and making me wait I need to go in the bank today or tomorrow and pick up my money and close my account. I shouldnt have to wait another week. I can not go into a branch without the fraud department calling them and instructing them to close my accounts and have a check ready to pick up because they wont do anything for me. They treat me as if they have no clue what to do. I have to go through this online service people, customer service departments, and Fraud department for them to instruct the branch to close my account its astounding to me. I just dont understand why I have to wait and now shes told me that I have to go on Friday when the bank is closed.
Consumer complaint received 2018-12-16
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. (CA)

I have written several rounds of verification letters ( FCRA 609 ( a ) ( 1 ) ( A ) TO  EXPERIAN CERTIFIED SINCE BEGINING OF THE YEAR THEY RESPONED TO THE FIRST ROUND OF MY DISPUTE AS VERIFIED WHEN I SENT A MORE DETAIL VERFICATION LETTER CERTFIED AS WELL AS EXPLAINING THE METHOD OF VERIFICATION THEY FAILED TO REPLY WHEN I SPOKE TO THEM ON THE PHONE THEY COULDNT DO ANYTHING I SENT LETTERS TO THIS SO CALLED COLLECTION ACCOUNT AND THEY FAILED TO RESPOND HOW HARD IS IT FOR THE PEOPLE WHO WORK AT THE AGENCY RESPOND BACK TO A REQUEST
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (NY)

I have an auto loan with NAVY FEDERAL CREDIT UNION in which I never appointed NAVY FEDERAL attorney-in-fact with limited authority and I never provided a security interest in the vehicle as additional collateral to the promissory note. EXHIBIT A. 

However, on XX/XX/year>, I sent a notice to NAVY FEDERAL via their secure messaging portal concerning the revocation and removal of power of attorney and security interest '' to ensure NAVY FEDERAL understands there is no interest in the vehicle as collateral. EXHIBIT B. On XX/XX/year>, NAVY FEDERAL responded by stating, The documents you provided do not release you from your obligation to Navy Federal, and you remain responsible for the repayment of your debt ( s ). EXHIBIT C. 

NAVY FEDERAL responded again on XX/XX/year>, claiming that a power of attorney does not exist with the following statement, Navy Federal has not received any valid Power of Attorney ( POA ). Therefore, there is nothing to revoke with Navy Federal. EXHIBIT D. 

On or about XX/XX/year>, NAVY FEDERAL seized my vehicles to perfect the security interest despite receiving my notice along with denying that a valid power of attorney existed. 

My vehicle was seized without authority for the following reasons : NAVY FEDERAL is aware that I never agreed to provide NAVY FEDERAL security interest as a condition that was inserted on the face of the promissory note before initially returning it to NAVY FEDERAL, which was accepted without rejection. EXHIBIT A. 

I, XXXX, XXXXAgent, accept this promissory note, security agreement, and disclosure solely upon the condition that I receive all titles, rights, interest, and equity owed to XXXX XXXXPrincipal . The principal balance must be applied to the principal 's account. 

I revoked and removed the limited power of attorney and the security interest before the vehicle was seized. EXHIBIT B. 

NAVY FEDERAL denied that it received any valid power of attorney ( POA ). EXHIBIT D.

NAVY FEDERAL never received an authenticate security agreement per UCC 9-203 9 ( b ) ( 1 ) ( 2 ) ( 3 ) ( A ).

NAVY FEDERAL never perfected a security interest in the vehicle that was seized per UCC 9-310, because NAVY FEDERAL never filed a UCC-1 statement as evidenced by the enclosed Georgia UCC CERTIFIED SEARCH REPORT . I am the only person who has a security interest in the vehicle because I filed a UCC-1 listing the vehicle as collateral. EXHIBIT E. 

The vehicle was never collateral that was subjected to any security interest per UCC 9-102 ( a ) ( 12 ).
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

Interest Accuring while SAVE plan application is processing. I originally applied for SAVE income driven repayment program when it was first released to the public in early XXXX. It is still processing and my loans have been placed in Administrative Forbearance. My loan servicer is Nelnet and I have called multiple times to express my concerns. Since repayment is started, my loans have accured over {$500.00} in interest fees. I was told that the interest would not be waived. My question is why should the borrower be penalized with increasing interest charges because of these extended processing times. Is there a way to have the interest forgiven since the this delay is due to the poor planning of the loan servicers and the US XXXX XXXX XXXX?
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This is my formal complaint to CAPITAL ONE. I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my account however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2023-09-15
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

This is my formal complaint to EQUIFAX. I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my accounts however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2020-07-28
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. (OH)

After Carefull reviewing my credit report it showed that I owe the following companies and i have never done business and i am requesting an investigation. I did not authorize my personal information to be used. 
Please delete the following from my credit report : XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (KY)

XXXX  Open balance
NCB MANAGMENT SERVICES
Original creditor
XXXX
Opened
XXXX XXXX XXXX (1 yrs, 7 mos)
Account status
Open
I dont know this account
Consumer complaint received 2018-05-17
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. (FL)

Experian continues to report Fraud information on credit report. They verified they received FTC, Police Report and Identity Theft report and continue to claim information is correct. All other reporting agencies have done proper investigation along with their third party and determined it was a fraud bankruptcy filing in 2017. The Bankruptcy List as XXXX XXXX and not XXXX XXXX, SS number on file is not listed as XXXX XXXX it's Listed as " XXXX ''. Therefore for Experian to say information has been verified that is incorrect and they continue to report Fraud and not conduct a proper investigation. When asked who provided the information was correct or what source I was told they didn't have to give me that information. When asked to speak with supervisor, I'm always transferred to the voice mail of " XXXX '' from the Team Integrity department, left messages and received no response. Experian has fail to comply with the Fair Credit Act
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Re : ARS ACCOUNT RESOLUTION I am not liable for two alleged medical debts with ARS ACCOUNT RESOLUTION ( {$1500.00} and {$1500.00} ). I do not have a contract or signed agreements with ARS ACCOUNT RESOLUTION. ARS ACCOUNT RESOLUTION has not sent me any correspondence to my address ( XXXX NJ ), but they are reporting derogatory notations on my credit report. I also did not sign authorization for my medical information to be released to ARS ACCOUNT RESOLUTION. On XX/XX/2023, I sent two separate debt validation letters to ARS ACCOUNT RESOLUTION for two separate accounts. The validation letters were mailed via certified mail and received by ARS ACCOUNT RESOLUTION on XX/XX/2023 and XX/XX/2023. ARS ACCOUNT RESOLUTION has failed to respond to my request to validate the two alleged debts. I am requesting that these alleged debts are removed immediately from my XXXX, XXXX, and XXXX reports -- due to nonexistent contract/agreement with ARS ACCOUNT RESOLUTION, failure to provide correspondence to my address, HIPPA violation ( s ), and failure to validate these alleged debts.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.