davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

NCB Management continues to try to collect on the debt and they refuse to provide the information i continue to request from. 

i have asked for this information below numerous times and they simple ignore my request and attempt to try and settle the debt. 
Collections agency must provide these : 1. What the balance they say owe is for with proof of payments up to that balance 2. Explain and show you how you calculated what you say I owe 3. Provide you with copies of any papers that show I agreed to pay what you say I owe 4. Provide a verification or copy of any judgment if applicable 5. Identify the original creditor 6. Prove the Statute of Limitations has not expired on this account 6. Show you the you are licensed to collect in my state 7. Provide you with your license numbers and Registered Agent or Agent of Service With that said I just want them to abide by the law or remove this from my report.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


DEPT OF EDXXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance DEPT OF EDXXXX Last reported XX/XX/2022 {$3400.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2022 {$3400.00} Reported balance 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 an account without my written authorization.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX XXXX  Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00}.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I filed two disputes on XX/XX/2019 ( Claim IDs : XXXX, XXXX ), for 2 transactions processed through XXXX XXXX ( XXXX, XXXX ), because I did not receive the services I was charged for. Bank of America is researching claim # XXXX, which is for {$120.00}, but declined to research claim # XXXX for the amount of {$300.00}. I immediately assumed they were cherry picking claims based on the amount and decided to give them a call. I was told that the claims did not meet their specific timeframe for filing and should not have been submitted. That was explained to me at the start, but after further discussion, the bank employee decided she would submit the claims because I did not receive the service that I paid for. Claims should be granted equal attention regardless of the amount and my bank needs to hold third parties accountable for allowing crooked people access.
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

On XX/XX/XXXX I called to increase my auto payments to {$300.00} per month. They wouldnt do it. They said to just over pay. I asked them again to increase payments but refused. 

On XX/XX/XXXX I got an email stating my account is in forbearance and all of my auto payments are cancelled.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (GA)

This debt has been paid on time since XXXX of XXXX. It has been turned over to several collection agencies and removed on several occasions from my credit reports. 

The original creditor has also recently tendered a payment, a check in agreement to cease ALL reporting. However, the collection agency is still reporting this as a collection to the credit reporting agencies. Their reporting has been removed twice in the last few months. I would also like to know how I can legally take action against the collection agency. I have attached 1 example of where this collection was deleted XX/XX/XXXX. It was deleted from all 3 credit bureaus!
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (TX)

sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I never have any accounts with a balance I dont know why I denied when I apply to open a checking account.. all I ask show me a statement my license photo copy any documents signed by me
Consumer complaint received 2020-02-20
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)

sent police report and ftc XXXX 's {$5.00} XXXX settlement with the Federal Trade Commission this ... But the commission also said XXXX violated the 2011 order by ... 

XXXX  It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely XXXX  would sue you for a debt you may not owe or they can not validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. 

ncua with XXXX XXXX XXXX XXXX NCUA Recovers {$400.00} XXXX from XXXX XXXX As NCUA continues its efforts, we will strive to provide complete, easy-to-access information about the settlements, legal fees, and related costs of litigation. 


XXXX XXXX XXXXhowever, take out a payday loan from a company called XXXX XXXX, who ... I have made complaints to the FCC, attorney general, the donotcall.gov and XXXX. ... Just received a call from XXXX claiming I owed money from a ... I was told that if I agree to make three payments to settle the debt they ...
Consumer complaint received 2020-02-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Sue HSBC plc  bank and XXXX XXXX XXXX  for XXXX each total XXXX asking for money to pay clearance certificate lawyer asking XXXX dont have that kind money right now XXXX XXXX Thanks reading this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Located at XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, U.S. Department of the Treasury, Chief Legal Officer, HSBC Holdings plc, XXXX, XXXX. 
Justice XXXX XXXX XXXX Email : XXXX Sent from XXXX for XXXX  Freeze my account of XXXX XXXX dollars for clearance certificate
Consumer complaint received 2021-04-17
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: Experian Information Solutions Inc. (FL)

Hi Experian, I sent XXXX  XXXX XXXX XXXX Account number # XXXX a letter ( SEE ATTACHED ) on XX/XX/2021 ( SEE ATTACHED PROOF ) and was received by them on XX/XX/2021 ( SEE ATTACHED PROOF ) seeking for them to provide me with proof that the repossession of the subject vehicle was legal in accordance with the following XXXX XXXX XXXX XXXX. Well I never got a response back within 30 days as required by law. I also looked at my credit reports and noticed they didn't mark in the comments " Currently Being Disputed By Consumer '' within 30 days. I even gave them three days to change the comments. If you look at the " attached screenshot '' of my Experian report from XX/XX/2021, the comments shows " Account previously in dispute now resolved reported by subscriber ''. And if you look at the comments from todays Experian report XX/XX/2021 it still shows comments as " Account previously in dispute now resolved reported by subscriber ''. By law they are suppose to send me requested information within 30 days and also update the comment section. As you can also see their last status update was back in XXXX. I have already made a complaint regarding this with CFPB ( SEE ATTACHED ). I love working with you and insuring that I have accuracies on my Experian Credit Report.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (GA)

XXXX XXXX is reporting inaccurate information on my credit file regarding a credit card from seven years ago. The balance and account numbers is showing different amounts on each credit bureau report. I have asked this company to send proof that this debt belongs to me and each time they just send a copy of a bill that was generated. That does not prove that the debt belongs to me!!!! I want this debt removed from my credit file and for XXXX XXXX to stop contacting me regarding debt ..... Per the FCRA a collection company has to send proof validating debt after it has been requested or debt is not valid!!!
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (CA)

There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}
Consumer complaint received 2024-02-12
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. (MO)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NY)

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, OneMain, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ). 

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (TX)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX XXXX for {$800.00}, XXXX XXXXXXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX COMMUNICATIONS for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX XXXX : XX/XX/1970
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This company has been calling my family members, work cell phone, leaving messages and telling family members they are trying to contact me. When i ask for a certified copy of any paperwork they say tthey will only email me they will not provide me a copy via certified mail. I have provided an updated phone number and they continue to contact family members even after speaking to me and will not stop. They claim it is for a credit card debt with capital one that was supposedly charged off in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and had no record of this debt on credit report. Additionally i have contacted capital one many times and they claim to have no record of the debt. I have asked numerous times for a mailing adress so i can send a cease and desist letter and they wont provide address. Lastly i have been hung up on and had them be extremely rude to me raising voice shouting telling me they arent there to remind me of debt and i need to pay my bills. The ammount they claim owed has changed 4 times since talking to them. I have multiple people who can verify this as they have been in the room with the collector on speaker phone.
Consumer complaint received 2020-02-20
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)

On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and Equifax concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and Equifax. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX   XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.
Consumer complaint received 2020-02-20
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: GreenSky, LLC (CA)

On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and XXXX   concerning the derogatory rating I received from Greensky Financial Bank ( Greensky ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of The Home Depot USA Inc. DBA Home Depot Interiors , case number XXXX, because The Home Depot failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through Greensky. In XX/XX/XXXX, I notified Greensky that I would no longer make payments on the loan until the work was completed as agreed and provided them with a Home Depot Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to Greensky. While in dispute, Greensky charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to Greensky, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and XXXX. Greensky has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from The Home Depot Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.