davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (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 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NC)

On XX/XX/XXXX, I received a message from Binance.us saying there were not enough funds in my bank account to cover an ACH deposit. I cleared the problem quickly and made sure to deposit more in my Binance.us account to cover the failed deposit. Since that day, I have been unable to withdraw funds, either in USD from Binance.us to my bank, or to transfer cryptocurrencies out to another exchange. I only see the error " Withdrawals suspended due to risk management ''. I filed a support ticket, and in nearly a month, I've heard nothing from Binance.us support. Seeking more help on their website leads only to a FAQ that says, essentially, " Sorry but we have a lot of people who need help, please keep waiting ''. There isn't really any excuse for holding people 's money and giving them no way to speak with anyone at the company. If this company is regulated in the US, they should have their license pulled as would any financial institution that absconds with users ' funds. 

My support ticket number is XXXX, and my user ID for the account is XXXX. 

Thank you for your attention.
Consumer complaint received 2021-06-20
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: LEXISNEXIS (TN)

I XXXX XXXX, rights of privacy has been violated and breached by this fraudulent company which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This fraudulent company is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This fraudulent company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This fraudulent company has no respects of my rights to privacy. This company was compensated to break the federal law by violating my rights to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2015-07-13
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DYNAMIC RECOVERY SERVICES, INC. (OH)

On XXXX XXXX Dynamic Recovery Services reported a debt that is over seven years old to XXXX. It is my understanding that after seven years a debt can not be reported to the credit bureaus. The statue of limitations for debt liability in Ohio is six years. I would like this removed from my credit reports immediately.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This complaint concerns my wife 's CLOSED XXXX XXXX XXXX account. 

She was just alerted that her score had went down, And it reported that " REMARKS '' were added that caused her score to go down 6 points. 

The remarks that were added is such : " ACCOUNT INFORMATION DISPUTED BY CONSUMER, MEETS FCRA REQUIREMENT '' My wife or I has not entered a dispute with Transunion. So please remove that remark, as it is clear it was only added to lower her score for that account.
Consumer complaint received 2023-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

My student loan servicer Great Lakes was directed by their parent company Nelnet to transfer all loans to the Nelnet administration which was done without the permission of the person loaned to ( myself ). All autopay have been cancelled, as of today I still can not access or pay towards my loan. I can not even register a new access account at Nelnet until they register the transfer Contacting Nelnet today - XXXX XXXX XXXX XXXX at Nelnet XXXX, Nelnet does not have my loan information. They will not provide me access to my loan. I can not pay towards it nor can I pay it off. Basically according to their records my student loan data is lost within their questionable system. 

I need immediate access to my loan so that I can pay off its balance.
Consumer complaint received 2017-01-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Manhattan Beach Venture, LLC (FL)

In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (AL)

The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I have sent multiple dispute letters after receiving a bogus bill by this company in XX/XX/XXXX. I began sending dispute letters starting in XX/XX/XXXX, and continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I Explained to Diversified Consultants that I do not owe a debt to their company. I requested in each of my dispute letters to verify and validate this debt but sending copies of original contracts with my social security along with my signature confirming that I entered into a contract with their company. Diversified Consultants has never sent any documents with proof that I owe a debt to their company. The only information that I have received from Diversified Consultants is a bill with a name similar to mine and an amount due of XXXX. I am being harassed by this company, and have had my credit ruined with all 3 credit reporting agencies. I also requested in my dispute letters that all collection calls cease and to only notify me by mail concerning my dispute and their company has continued to contact me on my cell phone number numerous times a day. I want the harassment stopped and my credit report corrected immediately by this company.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (GA)

Dear All, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, regarding a debt charged to me, which I do not recognize and do not owe. 
I am receiving some calls requesting me to pay this debt, and my name is already in collection with credit bureaus. 
I called them today ( XX/XX/18 ) requesting proof of debt and this was refused. IQ associate told me that this document would be provided only if I pay my debt in full. 
In addition, I have never received any official letter or any other document via mail, informing me about this debt. 
This debt there is no origin, nor documentation, and I Q is just assuming that I owe and not proofing it, which means, this debt does not exist. 
Again, my name is in collection, jeopardizing my financial life, without any reason. 
I kindly ask for the CFPB to contact I Q requesting appropriate behavior, as well as ask them to remove immediately my name from the collection status. 
Many thanks in advance, Best Regards,
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I am trying to update my name on the account as I recently went through a legal name change. On XX/XX/XXXX I sent over sensitive personal information to the fax number provided with no type of confirmation that it was received or that it was being worked on. Ive called various times since to ask for updates, its been a month and I either get hanged up on or get told to wait longer. Most of the representatives I am unable to understand due to the lack of English spoken which is usually not an issue but it gets a bit frustrating once I keep trying to explain that the documents have been sent and what else is needed to be able to have the information updated in a timely manner. I am very disappointed and unhappy with how Citi treats customers with very little respect.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, a merchant charged me {$260.00} and on XX/XX/XXXX, the merchant refunded {$230.00} from the initial transaction. However, Capital One, credit card issuer requires me to make payment of the full amount {$260.00} ( including {$230.00} that was refunded by the merchant ) before XX/XX/XXXX to avoid interest to be charged.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.
Consumer complaint received 2017-04-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows is the item in error : Collections : CENTRAL PORTFOLIO CONT, reporting for XXXX XXXX XXXX XXXX XXXX for {$5300.00}, Account XXXX, Opened on XX/XX/XXXX, Updated XX/XX/XXXX. By the provisions of the FCRA ( Fair Credit Reporting Act ) I request that these items be investigated and removed from my report. I have absolutely no knowledge of this account. I understand that you will recheck these items with the creditor who has furnished this information. Please remove any information that the creditor can not verify. As I understand that under 15 U.S.C. Sec.1681 ( e ) B, you must complete this reinvestigation within 30 days of receipt of this letter. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I was granted a Forbarence on our mortgage, we have paid all payments back and current with loan. I have asked for my original Forbarence documents listing terms with the loan and payment plan. I have tried to get these documents for 3 months without any success.

Every time I call I get a run around and sent generic forms without any loan specifics. When I ask to speck to a supervisor or Manager I am told No or that I would be called back. To this day I have called 13 times and never had a return phone call or received the original forbarence documents for my loan. I need these documents to refinance my loan. My Mortgage broker also has tried to request these documents while on a conference call with myself and CitizensOne without any success. 
XXXX XXXX Mortgage XXXX Attn : XXXX
Consumer complaint received 2022-09-12
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. (NY)

Im Accordance with Fair credit reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 2681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also stays a consumer reporting Agency Can not furnish account without my written instructions
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).
Consumer complaint received 2021-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

I am a victim of this fraudulent XXXX XXXX Account. I have no liability for this account and I demand that XXXX XXXX stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. Weltman, Weinberg & Reis CO., L.P.A is the law-firm that submitted the documents that was served to me on behalf of XXXX XXXX. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

This company is continuing to report this debt negatively. The account was paid to the original creditor by my insurance company. There has been no verification to me regarding this debt. They have not provided any documentation to reflect what the services are that they allege were not covered by my insurance. The only information they have provided is a balance and the creditor, I do n't have an account number for this creditor. I do not have an account with this creditor and I do not owe this debt.
Consumer complaint received 2021-06-19
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: Southwest Credit Systems, L.P. (FL)

There is a collection account added to all 3 credit bureaus for an account I have no idea about. I have never received in letters or phone calls pertaining to this fraudulent account. It appeared on my credit reports XX/XX/2021. It says this SouthWest Credit System, collection account for XXXX XXXX XXXX was opened on XX/XX/2021. They are requesting a total of {$400.00} that I have no idea about. Again I have never opened account with this company nor do I owe them any amount of money. I don't have any bills or documentation from either of these company 's. I was never notified or contacted in any kind of way. I need to see dates, addresses, a record of all billing and my signature of signing an agreement or contract for XXXX XXXX XXXX. This fraudulent account is damaging all 3 of my credit reports and scores. I would like for this to be investigated and removed immediately. SouthWest can't just go around putting false information in collections on my credit reports when I have never even heard of them. 
XXXX XXXX XXXX doesn't even exist and hasn't been around in years. How do I owe a company I have never had service with or that is no longer in business. 
I can not upload any documentation because I have never received anything in writing, no phone calls or via email from XXXX XXXX XXXX or SouthWest Credit System.
Consumer complaint received 2019-06-23
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: EQUIFAX, INC. (TX)

Ive called every credit inquiry I dont recognize. They all said to let Equifax know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXXXXXX XXXX  taken off as well as all the hard inquiries from the ones I didnt put there I would like them off XXXX  ... XXXX ... and Equifax. Thank you for your help in this matter.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

Received a collection notice from American Medical Collection Agency regarding a bill from XXXX XXXX. We are unfamiliar with this bill and reviewing out records we have never received a statement from XXXX XXXX regarding this account. We contacted XXXX XXXX but they have no record of this account or the balance.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint regarding the numerous unsuccessful attempts to remove unauthorized inquiries from my credit report. Despite my persistent efforts and multiple communications with your institution, these unauthorized inquiries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these unauthorized inquiries. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the unauthorized inquiries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the unauthorized inquiries continue to negatively impact my credit report. These unauthorized inquiries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of unauthorized inquiries on my credit report have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit report. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all unauthorized inquiries be promptly and permanently removed from my credit report, and that measures be implemented to prevent any recurrence of such unauthorized inquiries in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the unauthorized inquiries on my credit report. I trust that you will prioritize this matter and take the necessary steps to restore my confidence in your institution and the accuracy of my credit report. I am asking for your assisstance to remove these unauthorized inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX  is reporting an account as a charge off, when it is not it was paid in full before the first payment was due. 
Paid in full no deliquencies or charge off, Paid in full, Excellent payment history.