davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (IN)

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. XXXX XXXX XXXX XXXX XXXX Acct # 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. 
Company MUST provide signed agreement between I XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX You claim the Debt is valid although you have not shown proof and you only provide hearse information
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Portfolio recovery associates keeps reporting wrong information to my credit report and Experian keeps reporting that wrong information in flagrant violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX account on my credit report needs to be deleted per the consent agreement between the Consumer Financial Protection Bureau and XXXX XXXX XXXX from XX/XX/XXXX. In addition, XXXX XXXX XXXX is reporting an active collections account XX/XX/XXXX and XX/XX/XXXX. This is wrong, there is no open collections account with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting wrong information in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX is trying to reage the account so that it stays on my credit report longer in flagrant violation of the Fair Credit Reporting Act. Experian keeps reporting the XXXX XXXX XXXX account as an open collections account which is wrong, and it should be deleted as per the consent agreement with the Consumer Financial Protection Bureau.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

i have 2 student loans for my 2 XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have had a XXXX XXXX XXXX XXXX  for years. It had a zero balance for a few years until XX/XX/2018. I purchased two pairs of shoes and they raised my credit limit to {$4500.00} from {$1500.00}. They had changed my account number due to a fraud alert a while back, I never received my new card. I called XXXX  in XX/XX/XXXX to get the correct account number because I could not find my card and they told me the could not give it to me over the phone. I requested a new card to be sent to me. I also gave them my new mailing address to send the card and I never received it. 
I made my first payment via phone on XX/XX/2018 was for {$500.00}. I had to call in the payment because I did not have the correct account number to pay via my bank. Then I was at XXXX in XXXX XXXX at the XXXX store in XX/XX/XXXX. I purchased another pair of shoes and asked the associate to write down my account number because I still didn't have my new card. He did and I added it to my bill pay via XXXX. I sent a payment through the bank on XX/XX/2018 for {$1500.00}. Then about a month later I got a 31 point hit on my credit report because I was late on my XXXX XXXX payment. I looked at my bank and it said the check was processed for {$1500.00} and they gave me the check confirmation number but it had not been cashed. At this point I called XXXX  and they said I was 31 days late and they didn't receive the payment. I read them my account number the associate in XXXX wrote down for me and they said it was incorrect, I again asked fro a new card, told them I never got the last XXXX I requested. I made sure they had my correct address again and I still have yet to receive it on XX/XX/2018. I told them I had the check confirmation number that XXXX sent to them to prove I made or attempted to make a payment. They said they can send it to disputes to see if they will remove the credit hit and they denied me the credit fix. I have had to call every month to make a payment. I have now spoken to a person via phone twice to request a new card and haven't received it. I made another payment on XX/XX/2018 and XX/XX/2018. 
I make my payments on time and I have tried to resolve this issue by requesting a new card twice so I can get the correct account number. I have asked the sales associate to write my number down and it was wrong. I called and explained what happened, I had proof from my bank I attempted to make a large payment to them. My credit was excellent and the hit took me to a good rating. 
I am hoping that XXXX  will look back at my payment history and all that I have done as the consumer to get the proper account number and to make sure my bill is paid and fix my credit issue. 
Thank you, XXXX XXXX
Consumer complaint received 2022-05-20
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. (NJ)

In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX. Original creditor XXXX XXXX XXXX. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy.

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-15
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. (CA)

My wife and I purchased a vehicle, the dealership did XXXX hard inquiries on both our credit reports. We contacted the dealership, they provided us a letter to send all XXXX Credit Bureaus to remove the inquiries from our credit report. We sent the letters but XXXX, XXXX, and XXXX Blatantly disregarded the removal request of the dealership. We are looking to purchase a house and this blatant disregard is damaging our purchase of a home.
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX & XXXX. 



I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 


I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX in the amount of {$8400.00} based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 



I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (MI)

I have had an online savings account with Affirm for almost a year now. I opened the account with Affirm being that they were paying a high interest rate. I have never made any withdrawals from the account just deposits, usually to round up the amount. 
Just recently Affirm raised their rate of interest that they were paying on their savings account so I transferred {$200000.00} from another XXXX of my online savings accounts. I have been doing this same thing for years now and never, ever encountered any problems with any of my accounts being frozen. 
When I called Affirm a few weeks ago in regards to why my account was frozen they informed me they were investigating. I told them I felt like I was being treated as a criminal for no wrong doing and that if they wanted to monitor my account for suspicious activity that was fine but to freeze my account because I had transferred a large deposit was unacceptable. I told them that most banks treated me as an elite customer for the amount of money I had on deposit with them but with Affirm I am being treated as a criminal, like my money was obtained illegally. I feel they have no right to be holding my money, I have done nothing wrong and I am certainly not a criminal. It is my business how I earn my money and not theirs. I could understand if their was a lot of transactions taking place either withdralals or a lot of large deposits. But the only reason I had a large transfer was because they were offering a higher rate than most other online savings accounts. 
I have spoken to numerous respresentatives over the past two weeks and have demanded they release my money but to no avail, all they keep telling me is the same thing, " they are investigating and it could take 3-5 days ''. I even have spoken with two Supervisors and when I ask to speak to that particular department that is handling the investigation they tell me they do not talk directly to customers. I had a representative today tell me that basically everytime I call in I am putting my case back into 'cue ' meaning that the process starts all over again. 
I am so very upset over all of this and can not believe that they can continue to hold my money, money that I have worked hard and earned legally. I feel that they are not a reputable online savings bank and should not be able to continue offering their banking services online.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MA)

On a recent date, I attempted to make a payment of {$17.00} USD for a XXXX subscription in XXXX using my American Express card. Despite correctly entering the required SafeKey code, which is meant to verify my identity and authorize the transaction, the charge was declined. This was perplexing and inconvenient, especially considering that just the day before, I had successfully completed a much larger transaction of {$1000.00} USD with the same card and security procedure for a XXXX cruise operator, which was approved without issue. 

Upon contacting American Express customer service through their LiveChat feature to understand why the {$17.00} transaction was declined, I was given generic responses about fraud concerns but no specific explanation as to why the SafeKey verification failed to prevent this. I expressed my dissatisfaction and requested some form of compensation for the trouble caused, such as reward points. Instead of addressing my concerns, I was repeatedly advised to contact their identity protection team. 

The interaction did not resolve my concerns, nor did it offer any form of compensation. The service representatives suggested that I make a phone call to discuss further, which was not preferable as I sought assistance through their online chat for immediate resolution. The lack of direct responses and the suggestion to simply call another team left me feeling dismissed and without a clear understanding of why my transaction was declined despite taking all security measures provided by American Express. 

As the conversation ended, I was still without a satisfactory explanation or any form of compensation. Frustrated with the lack of resolution, I decided to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau to seek a clearer resolution and to highlight the inadequate customer service and transaction handling processes encountered.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Citizens Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Citizens Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Citizens Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Citizens Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Citizens Bank inquiry removed from my XXXX credit report. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Citizens Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Citizens Bank.
Consumer complaint received 2021-11-14
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. (MA)

Transunion wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX removed these charges and sent me a letter stating that they were removing the delinquency. 
Transunion failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.
Consumer complaint received 2024-06-08
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: CLGF Holdco 1, LLC (LA)

XXXX XXXX XXXX XXXX XXXXmilstone XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are inquiries on my credit report that didnt consent too. I would like them removed.
Consumer complaint received 2021-11-13
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: Advanced Resolution Services Inc. (DE)

In accordance with the Fair Credit Reporting Act Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, TRansunion, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (ID)

Back in XX/XX/XXXX I noticed a collection on my credit report by XXXX XXXX for a debt owed to XXXX in XX/XX/XXXX. I had no idea about any debt I owed XXXX. I called XXXX XXXX and they said they could find any information about it and the Representative told me to dispute it. So I did and it was removed from my credit report. 

Fast Forward to today. I find another collection on my credit report but this time from EOS CCA. Same amount and from XXXX. For the record, I never received any correspondence notifying me of the debt from EOS CCA. So I called EOS CCA to explain that I did not owe the debt and had no idea about the debt except that another collection agency reported it on my credit in XX/XX/XXXX and it was removed. They said they did not care and that I either settle or the collection would stay. So I disputed it again with EOS CCA but they told XXXX XXXX that the debt was good. So I called XXXX XXXX and they said they don't actually verify the debt they just ask EOS CCA if it is valid and if they say yes than the collection stays on the report. XXXX XXXX did say if I had any proof that the debt isn't mine than I could submit it. There lies the problem,. I have no clue what this debt is so I have nothing. I tried getting something from XXXX XXXX but to no avail as I give them every piece of information I can but they can't find anything.
Consumer complaint received 2022-12-16
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. (OH)

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud