davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: NCB Management Services Inc. (IL)

Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with XXXX XXXX company about a debt is not owe to me and which turned into a collection with NCB Management, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked XXXX and NCB Management for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to XXXX and NCB Management. 

XX/XX/ To : NCB Management Services Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear NCB Management Service XXXX XXXX XXXXXXXX XXXX  XXXX 

Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. 

Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of 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 in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether 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.

Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed. 

If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! 

The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I returned my car back to the XXXX XXXX I have proof of return receipt. I made XXXX more payment as instructed for the month that I returned the vehicle. Then approx 45 days later I started receiving threatening phone calls and text messages about collecting the payment for my car. They claimed I was over 30 days late and then started claiming I was over 60 days late. 

I asked on several recorded phone call conversations to speak to a supervisor. Each and every time I was told that a supervisor was not available to help me or that a form had to be completed and given to the supervisor and that I would be contacted. The first conversation I requested to speak to someone was XX/XX/XXXX, then again on XX/XX/XXXX. Additionally on the XXXX I was requested to send in proof of my return which I sent to the required email. 

On XX/XX/XXXX I called Hyundai Motor Finance XXXX and they were not able to get me in touch with a XXXX but could confirm they received a check from the dealer on XXXX XXXX and that it would take XXXX business days to apply the funds to the account. I'm filing this complaint as of XX/XX/XXXX as I'm still receiving phone calls and every time I call the company to confirm they keep transferring me around and telling me they can see my account has been paid but can not figure out why I keep showing up as someone who owes a debt. AT THIS POINT I'M VERY FRUSTRATED AND CONCERNED about my credit report showing a 62 day late on the account.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

I wanted to cash out funds I was sent via Cash App to my bank acct. To do it instantaneously would incur a charge shy of {$10.00} so I opted for two day deposit which would be free, however Cash App then requires you to link your bank account to XXXX and agree to their terms which gives them access to my account and its information. This isnt required when depositing instantaneously for a fee so it seems as though they are forcing me to choose instantaneous transaction at a cost, in order to protect my accounts/information. Otherwise they are making me release my account information for the free service. If this action was indeed necessary to prevent fraud, as it statuses, why do they not make it necessary for instant transactions as well?
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (KY)

Phone call from XXXX ( XXXX ) XXXX saying that an amount was taken from my account, and the number tried to get me to make a XXXX account. Was posing as Huntington Bank
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

Leading up to student loans resuming, I tried several times over the course of XX/XX/ to log into my online Nelnet account to confirm details such as payment amount, bank details, and automatic payments. I was unable to log in, and their automated account recovery process didn't work any of the times that I tried ( No email was sent to my email address ). Not sure exactly when my due date is, I called Nelnet 's help phone number this morning XXXX XXXX XXXX and have been on hold for 2 hours now with no end in sight. I'm worried about suffering consequences of not paying if I continue to be unable to access my account.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (CA)

On XXXX XXXX Ive reached out to Cashapp to understand why my account was locked. They gave no explanation but saying that the account is locked and I need to verify my information which I did. Its been almost a month since now reaching out here for assistance, trying to get it unlocked. My daughter helps with my account and there has never been any issues before. I reached out to them multiple times and they just state the same statement over and over in a robotic sequence. Which I will attach to this complaint. Im an older lady and Ive never had such poor customer service regarding how to handle an inquiry. Ive just reached out again and still the same reply. I dont know who Ive sent my personal information to, but it was sent and now they have my Government ID and face picture to authenticate who I am. Yet Im still not receiving any emails or explanations. Can you please help with this situation. It is happening to other people too.
Consumer complaint received 2020-03-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Experian claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to Experian by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed immediately!
Consumer complaint received 2018-12-13
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, The accounts are reported as duplicate with different amounts owed XXXX  XXXX, XXXX   XXXX,
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

I wanted to make payments on my student loan prior to interest accruing so I made a payment on XXXX of {$83.00} and it was confirmed. I made an additional payment in XX/XX/2023 of {$130.00} and it was confirmed. I realized both were never processed from my bank account and they now state payment reversal. I tried again to make a payment on XX/XX/2023 of {$83.00} and the same thing. I dont know why my payments arent being processed and deducted from my balance.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (NY)

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 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 2023-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A. (MN)

I was not sent a notice with intent to garnish my paychecks, I notice on my XX/XX/2023 paycheck and asked my employer who was garnishing me and they told me Messerli & Kramer. I sent them proof of my medical assistance for them to stop garnishing me on XX/XX/2023 and on my next paycheck XX/XX/2023 they still had the garnishment on there so I contacted the MN Attorney generals office and they sent Messerli & Kramer a letter and they still have not responded.
Consumer complaint received 2023-07-11
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-10-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX  XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (PA)

In XX/XX/XXXX I open a account with the credit builder company Self inc. in XX/XX/XXXX The amount of {$730.00} was supposed to be paid out to me from the credit builder company. I never received the payout and the credit builder was reporting on my credit that I still owe them a balance on the prepaid credit card. I tried multiple times to reach out to them via chet on the mobile app and was unsuccessful. My plan was to take The {$730.00} to pay off the prepaid credit card then cancel the account myself. Ultimately in XX/XX/XXXX the credit builder close the account they took {$650.00} from my payout to pay on the prepaid credit card. Instead of paying off the credit card with the {$730.00} payout. The credit builder sent {$75.00} to my checking account, which leaves me with a {$67.00} pre-pay credit card bill that is reporting negatively on my credit report. I spent the last XXXX years making on time payment to build my credit through this credit builder and at the end of terms they didnt agree to the terms and negatively affected my credit which voided out all the credit Ive built in the past two years.
Consumer complaint received 2023-10-02
Product: Credit reporting 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. (IN)

I am a victim of multiple data breaches resulting in identity theft. Not able to login to equifax, XXXX, XXXX. Been receiving email alerts my credit score dropping weekly due too inquiries. Credit Reporting Agencies have incorrect addresses, ssn #, phone numbers, names. XXXX credit cards have been opened using some of my information. This has been happening for XXXX  years. Disputed items on credit report with XXXX XXXX. The information according to XXXX  XXXX has a address in Michigan. I have never lived in Michigan. They have failed to provide sufficient explanation of how they verified this information. I have never signed Contract with XXXX XXXX nor do I appreciate my personal information being distributed and has affected my inability to obtain credit. It is a embarrassment and humiliating to be called uncredited worthy for accounts I did not apply for. I have XXXX hard inquiries I have no idea who they involve or detail. Lvn funding states account {$590.00}, pro premier {$300.00}, premier credit {$180.00}.
Consumer complaint received 2022-11-10
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX