davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (AL)

I purchased a new home in XX/XX/XXXX and at that time purchased Homeowners insurance with XXXX that was paid in full and escrowed with my mortgage with BB & T. 

On XX/XX/XXXX, the homeowners policy was cancelled due to " non payment '' because a {$40.00} multi discount policy credit was removed when I replaced my auto policy with another company. There was no notice mailed to me, and the insurance company confirmed they emailed a notice to the wrong address. 

I was not made aware of this cancellation until XX/XX/XXXX, when I received a notice from BB & T that my policy had been cancelled. I do not know why BB & T waited this long to tell me the coverage had lapsed. I promptly replaced the coverage with another carrier that day. Coverage is currently in force, and the policy is paid in full for XX/XX/XXXX-XX/XX/XXXX for {$730.00}. 

Today I received a notice from BB & T that they plan to purchase insurance for the lapsed period between XX/XX/XXXX and XX/XX/XXXX for {$3400.00}. 

Since Homeowners policies are " occurrence '' based policies, and there were no " occurrences '' to give rise to any claims on the home, this insurance actually insures nothing. Insurance is the transfer of risk, and in this case there is no risk to transfer. The chance or likelihood of a tornado or other insurable event damaging my property during these prior months is zero since time travel does not exist. 

Please help!!!!
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

Beginning in XX/XX/2017 I've disputed the student loans reported on my credit profiles by Navient, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.
Consumer complaint received 2018-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I am on a payment plan with XXXX  XXXX in the amount of {$170.00} monthly for medical bills incurred in XX/XX/XXXX. I've been paying this amount for long time. In XX/XX/XXXX XXXX  XXXX turned over a portion of the debt to Revenue Group, a collection agency. I contacted XXXX  XXXX and they would not help. I told the customer service agent I had been paying and didn't understand why a portion of the debt was transferred to the Revenue Group. She would not research my account or look at payment history. I asked to speak to a supervisor and she said someone would call me back. This was now weeks ago and no one has contacted me. The Revenue Group continues to contact me for payment of a portion of the debt. I disputed the charge and told them I've been making payments to XXXX. The Revenue Group sent a letter date XX/XX/XXXX stating the debt is valid and owed to them. I am sending Revenue Group another letter dated XX/XX/XXXX stating I've been making my payment per my agreement with XXXX   XXXX   and will continue to do so. I am not working with Revenue Group and there is no justification for my debt going to a collections agency. I have continued to make payments to XXXX  XXXX during this timeframe and they are accepting my money. I just made another payment today XX/XX/XXXX for the XX/XX/XXXX payment.
Consumer complaint received 2024-03-04
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. (WI)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A Capital one 260 account was opened in my name on XXXX XXXX,2022, without my permission. My credit was pulled for the account which caused my credit score to go down on XXXX/XXXX/22. The account was open fraudulently. They had mailed out a debit card to the address but Capital one wouldn't give me any information.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal Credit Union has gotten progressively dangerous to their members. Average hold time is over 45 minutes to make routine banking transactions. 

On XX/XX/22 NFCU charges me for a NSF fee when I had the proper amount of money in my account to cover an ACH. They laughed at me and then put me on hold for 30 more minutes. They are deceitful and their business model makes it nearly impossible to resolve any issues. 

Please help. Thanks for your time and for grounding these entitled institutions that prey on military. 

XXXX
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.
Consumer complaint received 2022-09-22
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, Dept of Ed/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (PA)

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and JXXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (LA)

I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

I am writing to file a formal complaint against Amsher Collection Services , Inc. for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that their actions have infringed upon my rights as a consumer, and I am seeking your assistance in resolving this matter.

Firstly, I would like to bring to your attention the fact that Amsher Collection Services , Inc. has been attempting to collect a debt from me that should have been returned to the original creditor, Charter Communications, LLC. As per the FDCPA, it is illegal for a collection agency to pursue a debtor without a written agreement [ 4 ]. I have not entered into any written agreement with Amsher Collection Services , Inc., and therefore, I believe that they are in violation of this provision.

Furthermore, I have requested documentation from Amsher Collection Services , Inc. to validate the legitimacy of this debt, as is my right under the FDCPA [ 3 ]. However, despite multiple requests, they have failed to provide me with the necessary documentation supporting their claim. This lack of response raises concerns about the accuracy and validity of the debt they are attempting to collect.

In addition to the above, I would like to highlight that Amsher Collection Services , Inc. has failed to respond to my dispute letters within the time frame required by the Fair Credit Reporting Act ( FCRA ) [ 2 ]. Their failure to address my concerns and provide a satisfactory resolution is a clear violation of the FCRA.

Based on the aforementioned violations, I kindly request that the CFPB thoroughly investigate the conduct of Amsher Collection Services , Inc. and take appropriate action to ensure that my rights as a consumer are protected. I believe that their actions have caused undue stress and harassment, and I am seeking appropriate remedies for the damages I have suffered.

In conclusion, I urge the CFPB to take swift and decisive action against Amsher Collection Services , Inc. for their violations of the FDCPA. I request that you hold them accountable for their actions, and that you work towards a fair resolution of this matter.

Thank you for your attention to this complaint. I look forward to your prompt response and the resolution of this issue.
Consumer complaint received 2022-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX credit bureau reporting XXXX days late for Bank of America. I have contacted Bank of America about the incorrect data. They have advised me to contact the credit bureau.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (FL)

I called XXXXXXXX XXXX and reported my card had several XXXX dollars in fraud and they said they would have me sign papers for the fraud. Well the papers never came and they issued me. New card and closed my report of fraud saying it was authorized I didnt even get the packets to sign. This is very poor behavior from the bank not aclodging that my accounts been compromised. They refuse to fix the fraud saying its not.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

My credit card was stolen on XX/XX/15 and I saw closed to $ XXXX USD charges on my credit card. I reported the same day to American Express and they opened an investigation, I've been in communication with them throughout the entire process. I filed a police report and actively working with a Detective to receive updates on XXXX investigation. My account was credited back a few weeks ago but I received XXXX emails about my XXXX reported account that they're reversing the credits. I called AMEX right away and all they said " we have new documents stating these aren't fraud ''. They will not give me any other information and I reassure them that XXXX is involved as well but she said " that's different. '' and refused to give me more information. I was physically at work that day and I did NOT make any of the charges. My card was not signed so the merchant can always request identification.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Sv # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-04
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. (NJ)

My name is 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 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, The following account was listed as charged off as of XX/XX/XXXX by XXXX XXXX, Since then, the account has repeatedly been updated as charged off ( c/o ) several months after original charge off. This is an update in the payment history. I understand that charged off accounts should not include any active payment history. This falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : 1. { XXXX XXXXXXXX } { XXXX } Opened XX/XX/XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

Apparently, I had a medical procedure in XX/XX/. In XX/XX/, I first received a bill from XXXX XXXX XXXX for XXXX  services. I called my insurance company, XXXX XXXX XXXX ( XXXX ), and they told me to ignore the bill from XXXX XXXX. 

Later I received correspondence from XXXX XXXX related to a XXXX XXXX Mon related to the same charge. I never heard of this doctor and I had insurance to cover the full cost of any procedure. 

I again called XXXX and was told that they had no record of receiving a bill for this charge. I advised the doctors office that they needed to submit a bill to XXXX for payment. 

I was subsequently contacted by Plus Four Inc. a debt collection agency. They are located in XXXX, NV and their phone no. is XXXX. I gave them the same information I received from XXXX - that the doctor needed to submit a bill to XXXX. I told them that I have no knowledge of anything related to this doctor. 

I continue to get dunning letters/statements in the mail from Plus Four Inc . If they damage my credit rating I will definitely sue them!
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 StaXXXXes I have the right to privacy. 

15 USC 1681 Section 604 A Section A 2 : It 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 any purpose.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My Bank of America credit card minimum payment was set to auto draft each month from my personal bank checking account. The auto-payment feature was turned off without my knowledge or notification, therefore the minimum payment was not made and I subsequently charged a {$39.00} late fee. I found out the credit card was locked through a vendor when a payment was declined.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

All three credit bureaus are reporting that Im delinquent all of my accounts that I have open accounts and no accounts are open. I dont have any clothes accounts were all money and he refused to take it off. Something needs to be done about this.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-10
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for a Amex Card, and I had a very high score of XXXX. I was given 4 reasons for being denied of which NONE matched my credit report. I asked them for a reinvestigation, and I was denied. This company fraudulently denied me and gave me false reasons for denying me. The attached report was from the time period they pulled my credit. This company blatantly lied and refused to fix the error.
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXhas violated my rights. 

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

15 USC 1681 Section 604 A Section A 2 : It 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 any purpose.