davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc. (CA)

Hello, I received a letter in the mail letting me know that there was a recent security incident at NCB Management Services , Inc. I don't know who this company is, nor have I ever opened an account with them. 
There was breach of my personal information with the company named above. I don't even know if they are legit, nor have I given any permission for such company to have any of my personal information. 
I don't know if NCB is a legit company in the first place. 

Please help our society to look into this business and do some ressearch so that no other persons/businesses will be abused. 
Thank you for your time. 

XXXX XXXX
Consumer complaint received 2023-06-26
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. (IN)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I am a  XXXX   XXXX  percent  XXXX   XXXX  an having trouble with Equifax. I submitted the  XXXX  to them to have a collection removed. When I called they told me to fax it to them as I did and was told it would be removed in   XXXX   XXXX   hours. I wait  XXXX  days and it was still there. I called back and then they are refusing to remove it and saying they will just keep it in my file.
Consumer complaint received 2017-01-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliance Recovery Group (PA)

I received a call informing me that they were processing an order in regards to a complaint filed against me and I had the opportunity to provide my address to the " information center '' so documents could be served to me at either my home or work address. I was given a case number. When I called the number with the referenced case number, I was told I had a delinquent account from XX/XX/XXXX, which was sold to a group of attorneys and finance company to collect funds. I was told it was a XXXX XXXX XXXX credit card I opened XX/XX/XXXX and was delinquent XX/XX/XXXX. I was told I could pay {$800.00} on a {$1800.00} delinquency. A document was sent to my email to sign to clear the delinquency and avoid legal action. They also explained that the phone call was to determine if the delinquency was purposeful or inadvertant. I explained I was unaware I had a credit card from XXXX and that I was going to check with XXXX to determine if this information was accurate. Upon speaking with several representatives at XXXX, I learned I did not have any credit cards with XXXX, and none that were charged off as delinquent. I called the " agency '' back and informed them of their error. I did receive their full mailing address and the agency name : ARG & Associates ; XXXX XXXX XXXX XXXX ; XXXX, AL phone number XXXX
Consumer complaint received 2023-06-26
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. (CA)

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 XXXX  Account number : XXXX has violated my rights. Or 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 2023-06-26
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. (IL)

XXXX XXXX XXXX XXXX. Auto Loan No late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show XXXX late payments. On XX/XX/22 company responded about same issue and removed inaccurate remarks on XXXX credit report but did not remove on Experian.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Collections U.S.A., L.L.C. (VA)

This debt is not mine. I noticed this alleged account showing in collections on my credit report. I have NEVER received so much as a phone call from this company, nor have I received a letter in the mail from this company stating that a debt is owed. I have disputed this twice on my credit report this year, once in XXXX and once in XXXX and both times the credit bureau responded stating that they verified with the collection agency that the debt was valid, however they will not tell me HOW this debt is valid. Even after this alleged verification, I still have yet to receive a phone call or a letter in the mail regarding this debt.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (IN)

I HAVE REACHED OUT TO XXXX XXXX THE ORIGINAL DEBT COLLECTOR WITH PROOF THAT I DO NOT OWE THIS BILL NOR WAS THE SERVICE LISTED/BILLED IN ADVANCE ALL RECEIVED COMPLETE. I AM OWED A CREDIT FROM XXXX XXXX BECAUSE THE SERVICES QUOTED ON TREATMENT WERE PRE-PAID ALTHOUGH I NEVER COMPELTED THE TREATMENT PLAN. I WAS PROMISED A CALL BACK NUJMEROUS TIMES AND IT DID NOT HAPPEN. WHEN GOING TO APPOINTMENT I TRIED TO GET INTO THE BILLING OFFICE TO SPEAK ABOUT THE DEDT AND I WAS ALWAYS TOLD THEY DID NOT HAVE TIME TO REVIEW MY ACCOUNT. I DID NOT RECEIVE A COLLECTIONS NOTICE FROM THE COLLECTION COMPANY. MY CRFEDIT SCORES WERE ALL AFFECTED AND XXXX IS THE WORS AT RESOLVING ANY CREDIT DISPUTE ISSUES. MY SCORE IS ALMOST 700 AT XXXX XXXX AND XXXX WITH BILL PAYMENTS AND DISPUTE AND YET XXXX IS SILL AT XXXX REJECTED EVERY SINGLE DISPUTE THAT WAS APPROVED AND PROVED BY THE REMAINING TWO CREDIT BUREAUS. THERE IS NO WAY A PERSON CAN CORRECT CREDIT WITH THIS COMPANY XXXX. AND THIS DEDT IS NOT OWED AND A CREDIT IS DUE ON MY ASPEN ACCOUNT.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (NV)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX Subject : Complaint against XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by XXXX XXXX XXXX, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of XXXX XXXX XXXX have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score.

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2023-02-03
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, Experian shows thansfer XXXX and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't authorize the above items listed on my credit report.
Consumer complaint received 2024-02-07
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. (WI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-07
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. (AZ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The updated FCRA XXXX amendments ( XXXX XXXX ). Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction. 

Equifax DOES NOT possess any of those examples in relation to the disputed child support account! So, they are in direct violation of federal consumer law! 

Equifax is in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence!

Equifax is in direct violation of 15 U.S. Code 1681ni ( B ) -Requirements relating to reinsertion of previously deleted material. As of XX/XX/XXXX Equifax had removed the accounts listed below. As of XX/XX/XXXX Equifax had reinserted the accounts listed below without following 15 U.S. Code 1681ni ( B ) ( i ) AND 15 U.S. Code 1681ni ( B ) ( ii ).

Equifax is in direct violation of 15 U.S. Code 1681ni ( B ) ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Equifax is also in direct violation of 15 U.S. Code 1681ni ( B ) ( ii ) Notice to consumer-If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have already sent Equifax all of the required documentation regarding identity theft on my credit profile, this includes reports from the FTC, a notarized affidavit of identity theft, a notarized affidavit of truth, CFPB report and ALL requested documentation to prove my identity. Equifax has played a major role in part of my identity theft!! I was impacted by the Equifax data breach. The engagement number assigned to me is : XXXX. I have also submitted a claim regarding the breach of my identity. That claim number is XXXX Equifax is willfully and knowingly illegally reporting information to my consumer report!
Consumer complaint received 2023-02-03
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-06-26
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. (DC)

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 XXXX Account XXXX Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or 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 2023-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (IL)

I took a {$1500.00} loan wasn't aware of the interest charge made XXXX payments of {$280.00} every XXXX weeks paid on time never missed a payment. this totaled {$1700.00}. Called on XX/XX/2023 for payout amount. They told me I need to pay {$1500.00}. I paid it out. They charged me over {$1700.00} interest on a {$1500.00} loan. This is outrageous. Complaining about the high interest. 


Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

I had an XXXX XXXX, issued by Goldman Sachs. XXXX account was hacked and had fraudulent purchases. I had to spend 5+ hours on the phone with apple and gs to try to get the account closed and the charges voided. I was told initially the account is closed and theyll be following up over email for payment. 5 days later when nothing happened I called back and they were not even able to find my case. I tried to close the account again and make the payment and was assured it was closed. After a few more calls/weeks with the same story, I found out my account wasn't even closed and I was being charged a hefty level of interest on this. Still no way to make the payment other than over the phone, which I do not feel secure about. 

About a month later, I finally received confirmation the account was closed. When it came time for payment, I wanted to get the interest reduced. XXXX through the phone call, the representative hangs up on me. When I call back they were struggling to find my case and said they would reach back out. I asked them to confirm over email, they agreed and again nothing. 

This morning I received a call back stating that for interest theyd be able to reduce only {$25.00} of the total sum, bearing in mind I have been trying to pay for over a month. When I said I refused the operator at Goldman Sachs developed a rude and threatning tone. we eventually hung up on each other. 

XXXX and Goldman sachs has some of the XXXX customer service around. The departments are very silod and a request made to one department clearly does not go through to any other departments. I have had to get this card " closed '' with about 5 different departments across the 2 companies to officially have it closed and about another 6 to try to make the final payment and get the interest on the account voided. They refuse to operate over email or any sort of convenient platform, which made my life miserable since I did not have access to my apple account and did not want to read them my bank account over the phone to make the final payment. It is ridiculous
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (OH)

I have made all payments on time since I leased the vehicle in  XX/XX/XXXX . I made a payment in  XX/XX/XXXX  that they did not credit to my account. I have faxed them proof of the payment and also submitted proof of payment on a prior CFPB complaint which shows as closed because GM Financial responded to it. Although they responded, they did nothing to track down the payment. They cashed the payment immediately upon receipt, but as of  XX/XX/XXXX  no payment is credited to my acccount.
Consumer complaint received 2023-06-27
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (CA)

Please delete all inaccurate items that are not verified as I did not establish any of these items with my person or gave any permission for anyone to represent me to access my file.