davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (NC)

XXXXXXXX XXXX and NCB management service which is the same debt!! However XXXX XXXX was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that XXXX XXXX had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to NCB management Service and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that XXXX must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (CA)

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX XXXX. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXXXXXX University Closed : XXXX XXXX
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

I had a loan with Wells Fargo. Got in a car crash and car was totaled. The insurance company paid of the remainder of the loan but Well Fargo added fees to the amount which then they sent to collections and have negativaly effected my credit score. They have been hounding me for XXXX yrs to pay a balance that should not exist and have added penalties and other fees to the amount!!
Consumer complaint received 2023-12-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

Invalid Debt was already disputed and removed from credit report. Debt validation letter sent out to first company that claimed debt was owed, Company never responded. Company came to my residence and offered two phones in exchange for trading in my XXXX XXXX that I already owned. The price that At & t presented was not the price that was discussed. I returned the two XXXX  and have proof along with documentation showing the sent back property. I also have emails corresponding with a supervisor about this problem. I have also not received my property that consists of a XXXX XXXX that has been Paid in full, I was promised my phone would be returned to me and no one has gotten back to me. The original Debt of {$1300.00} was disputed in XXXX of XXXX  was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number for company is ( XXXX ) XXXX. Account that was reported on credit report was removed and then was placed back on credit report in XXXX of XXXX  for a dollar less for {$1300.00} by a different company by the name of XXXX, XXXX their address is XXXX XXXX XXXX, XXXX, IL XXXX and phone number is ( XXXX ) XXXX. XXXX is being reported illegally and fraudulently. It is being reported as a duplicate account, with a different account number and a different amount for the second time. This reporting is in violation of the Fair credit reporting Act.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union XXXXXXXX XXXX, {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK (CA)

Hello CFPB, I had opened a Silver Savings account with Hancock Whitney Bank on XX/XX/2019 under a promotion where I would receive {$100.00} upon fulfilling terms where I would need to maintain {$2000.00} in the account until XX/XX/2019. Despite meeting these terms, I have not been credited with the {$100.00}. I would like to submit my complaint as I have reached out to Hancock Whitney Bank with no response. If you could please assist with this matter, it would be greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (MD)

KIMBALL TIREY & ST. JOHN has been violating me for the past decade. I have never done business with them but they have been reporting negative information to the credit agencies which is ruining my reputation and defamation of character the correspondence is false and misleading. I have requested proof of the debt that they say they have against me I never received a paper with my signature on it. The amounts that they say are owe are different.
Consumer complaint received 2022-11-12
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. (FL)

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 1 5 USC 1681. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key XXXX, FL XXXX XXXX 2.Please remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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. 16818-2 ( 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 2020-01-09
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: Army and Air Force Exchange Service (CA)

XX/XX/2013 a XXXX account was opened with military star. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (VA)

This complaint is being re-submitted, as the previous complaints resolution was not addressed to me ( They wrote to a different individual and their concern on my complaint. ). See CFPB Complaint Number : XXXX The card is issued through XXXX XXXX XXXX, and can be used for health-related costs. On XX/XX/XXXX, a refund was received on the card from a charge made on XX/XX/XXXX. This was long after the card was expired, and the card had a zero balance from XX/XX/XXXX until that refund was received. I contact the company twice to get a replacement card, and they haven't been able to send me a replacement. In both interactions, they have stated I will receive the balance of {$53.00} on a new card. However, I have not received the card yet. Relevant Case Numbers : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

Scam or phishing emails from Synchrony Bank. Called customer service and was told it was not sent by them and the agent hung up on me XXXX told me Sent to wrong e-mail. On XXXX, a thread says some are told not sent by us and others sent by mistake.

Action required on your application email from them.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Company refusing to process previous complaint. Letter was mailed out on XX/XX//2021 to dispute items. Investigation has been over 30 days and my dispute is still not addressed.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Since XX/XX/XXXX, Equifax has deleted or removed my entire credit history and my credit file from being accessed or viewed. Today, XX/XX/XXXX, I replied to preapproved offers based on my XXXX credit score being XXXX and being a member of XXXX XXXX XXXX XXXX I was preapproved for two confirmed credit offers. When I used my preapproval code to submit the application, it was rejected due to the number one reason being insufficient credit history. This is the issue that I am having with equifax. I am XXXX XXXX XXXX with a credit history that goes back to XXXX. My credit accounts from the XXXX are still open and are currently in good standing in my entire history and mortgage, and auto loans have disappeared. This is left my credit score as a zero or nonexistent and creditors and banks are unable to access my credit file thats making me in eligible for receiving credit. 

I just spoke with the manager at XXXX XXXX XXXX and they informed me that within their software confines when they attempt to pull my Equifax report, it shows is nonexistent and it is blank, only showing my first and last name. XXXX uses a Equifax to qualify applicants, but Equifax has deleted my entire credit file.
Consumer complaint received 2023-12-27
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. (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general 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 ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2020-01-09
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NC)

I received a copy of a credit report from XXXX. IT had two actions reported as Potentially negative information - one being late payment history.. My ID Theft Protection provider gave me information concerning making a late payment on an account that has been closed. The XXXX report shows the creditor as XXXX. I filed a dispute with XXXX but the results are not due yet. 

However, when I review the Credit Report there is an indication that the creditor designated may be wrong. I have reported this problem before and it appears as though no correction ( s ) were ever made. The credit world has specific account number designations one being that of DISCOVER. Their credit card no. begins with a XXXX- DISCOVER indicated that there is a LATE PAYMENT history made to Tractor Supply in XX/XX/XXXX. Reviewing the EXPERIAN report I received in XX/XX/XXXX. I noticed that XXXX generated a separate report that cited XXXX listing the first 6-8 digits or so of the credit card number.. When this information previously appeared on a credit report, I contacted XXXX and they told me that credit card designation was for DISCOVER ( XXXX ). This report has never been updated to correct the erroneous information included in the report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX  Inaccurate inquiries that I did not authorize.
Consumer complaint received 2022-12-26
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. (NY)

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. 
AXXXX 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 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 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 2022-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I Contacted chime on XXXX XXXX In regards to unauthorized transactions completed on my account. Chime response on XXXX XXXX stating No error has happened. When In fact an error has happened the transaction wasnt completed by me I provided documents to prove my device was stolen and compromised so someone was in full control of my account. They also stated In accurate information.. saying transaction was completed in the past with the merchant and thats incorrect I have statements to prove. They basically denied any information provided without conducting a investigation being provided all incorrect information I have went above and beyond and verifying charges wasnt authorized by me and until chime does a proper investigation they will continue to deny me for something that wasnt completed by me is unacceptable
Consumer complaint received 2020-01-09
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. (MA)

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my Experian credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. I filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. I also put a seven year fraud alert on my credit report.

I disputed these activities and sent the necessary documentation, which prove that I was not in the US when these accounts were opened, to both the credit bureaus and to the companies.

Despite all these efforts, Experian still keeps the record of a car loan account with the XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX, when I was abroad. This affects my life very badly because of the damage done to my credit history.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I had renters insurance with XXXX XXXX. I moved from the apartment XXXX and cancelled my insurance. I requested it to be moved to my new address. I became aware that they never changed my address and continued to cover my old address. The building actually had an explosion shorty after I moved out and was evacuated. XXXX XXXXl is demanding that I still pay for insurance for on this apartment after vacating. I have sent them copies of my terminated lease and the phone number and email of apartment XXXX as well as copy of the lease of new apartment moved into XX/XX/. I understand that they may have been short of help during COVID and made a mistake but they are not being reasonable. I have great credit and have always paid them and other bills on time.
Consumer complaint received 2020-01-09
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (MI)

DOES ANYONE AT LEXISNEXIS ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR LEXISNEXIS TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

LEXISNEXIS stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. 

In this above statement, again LexisNexis is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if LEXIS NEXIS can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.
Consumer complaint received 2022-12-27
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 a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no results.