davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

NCB management services has already been reported more than once, I continue to receive fraudulent calls from this company at my place of business. They are calling me multiple times a day on my business line. I never gave this company my employment phone line. Which I use strictly for business purposes. Not only are they harassing me at my job, but they are impeding my work. I use my work for to make outbound calls to make a living. This company has resorted to calling the receptionist harassing them, calling my extension. Calling my parents, this is all hours of the day. The company had already been advised I never opened any accounts with this company. This was a result of identity theft. I didnt authorize any accounts through them. They already have been sent an identity theft affidavit. They chose to ignore all my law enforcement documentation. Instead attempted to state they sent me documentation that once again never got sent. This account is identity theft. The account they are claiming received the money was also closed due to identity theft. Clearly this is fraud, the harassment on my business line prevents me from completing my job. They are not authorized to contact me or my employer any further.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIBANK, N.A. (CA)

I am currently serving in the XXXX XXXX XXXX, and the government travel credit card is issued for military/government service related duties only. 

Ive spoken to the bank about the ongoing pay issues involving pay delays to military that are do to government shut downs or just department of defense pay delays that are out of military service members hands. 

They want their money or they add late fees and the chain of command gets involved in negative manner on their card holder. 

Ive given the bank the information to call the pay roll which is military travel pay department whom pays the card directly and thru defense travel services which they will refuse to do so, and burden the service members to pay. 

This practice needs to stop
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : XXXX. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken. 

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above. 

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX and early morning on XX/XX/XXXX XXXX I paid for entry into the XXXX night club. The door charge that night was {$40.00}. I didn't have cash on hand so they allowed me to pay with my card. To my surprise the next day I found a charge of {$400.00} on my card. I sent a few messages to the business and they ignored me. I also called and no one has called me back to this day. I disputed this with my bank ( Truist ) and they denied my claim because I didn't have a receipt. I explained to them the situation and asked how would a receipt that would say {$400.00} fix this issue. I showed them additional proof which was in the form of flyers that said {$40.00} entry. My next point would be to say that I wasn't charge any taxes or tips on that fee which shows it was entry fee only. It is easy to make {$40.00} into {$400.00} in that atmosphere on the machine and I wasn't given a receipt. 

Truist has refused to look into this further and still hasn't given me a proper explanation.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information submitted with Equifax. this has been an ongoing issue that needs to be resolved. checking my file all of that data is invalid. please review an remove the items listed to help fix my credit report asap.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The dismissed bankruptcy on my TransUnion, XXXX XXXX  reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.
Consumer complaint received 2023-07-14
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. (TN)

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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and contidentiality under 15 USC 1681. 
Account names/Account Dates Reported : 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 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 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 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 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 has violated my 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 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 2020-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This car was totalled by another liable party XX/XX/20. 

My insurance sent them they pay off check XX/XX/20, we have a tracking number, person signed for and they still havent posted the check to my account! 

Theyve delayed my payments, but are charging me internet for their un acceptable business practices!! Three months??? To cash a check?

I cant close the loan until they post the payment. I am livid!

I HAVE CALLED SO MANY TIMES AND HAVE BEEN PUSHED  AROUND. - finally someone offered to open up a payment investigation. 

10 days later no update, no calls, nothing. 

Its comical how when financing companies need their money they will send people to collections. Well where do the responsible loanees get to hold the financial loan companies Accountable?

This cant be a one way street. This is unacceptable.
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (NM)

Debt is from the college I attended for my XXXX  study. It is the fee to graduate. Was not notified that it would go to collection, nor was I notified that it was with a collection agency. No one contacted me. I called school to pay and was told it was with a collection agency. Paid the debt with the collection agency and it is still appearing on my credit report months later. I was told it would be removed from my credit once I paid it.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

I have tried to get insurance through XXXX and have been turned down by LEXIS NEXIS due to the following : Were sorry, but XXXX declined your application because your Motor Vehicle Report ( MVR ) and/or your Claims Loss Underwriting Exchange ( C.L.U.E . ) report show 3 or more insurance claims in the past 36 months. Therefore, you are not eligible for coverage with the XXXX XXXX. The report ( s ) were provided by : I have only had one and it the accident was not my fault. It was paid out by the other drivers insurance company.
Consumer complaint received 2019-07-12
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 — Problem with personal statement of dispute
Company: Medical Data Systems, Inc. (NC)

Please note I sent a dispute with XXXX and they responded that one of my debts from Medical Data Systems for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that XXXX  is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that XXXX remove this debt from my file immediately.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

Please consider this my formal complaint against Experian National Consumer Assistance Center.

At the start of XX/XX/XXXX I ran my credit report and found Experian was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so.

I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Experian report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian National Consumer Assistance Center has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Experian again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX & XXXX ) as well as the letters from the bankruptcy court. Experian still insists they have verified the bankruptcy.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I am trying to transfer membership rewards points to my own frequent flyer account ( XXXX XXXX ) got message " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program '' I am not selling these points and they are going to own frequent flyer account. My family was saving these point for once a life trip and seats might not be available if transfer is held by 4-6 weeks. We called customer service and they said 4-6 weeks without even giving time when those 4-6 weeks starts
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I had a Citi Prestige card. I rarely used the card, so when the annual fee of {$450.00} came due in XX/XX/2018, I called Citi to inquire about switching the Prestige card to a free card with no annual fee. Citi said that I could switch to the Preferred card for no fee and could get my roughly XXXX Citi ThankYou reward points transferred from the Prestige card to the Preferred card. Citi closed the Prestige card and sent me a new Preferred card. However, the {$450.00} fee from the Prestige card appeared on my Preferred card balance for XX/XX/2018. I contacted Citi multiple times through several different communication channels asking why the fee was posted to the Preferred card and if I needed to pay it. I specifically mentioned my concern with potential negative credit reporting consequences. Multiple Citi representatives told me that it was fine, the fee would be removed, I didn't need to pay it and there would be no negative credit reporting. Eventually, in XX/XX/2018, the fee was removed. However, Citi is currently reporting that I was 30+ days delinquent in XX/XX/2018. I've followed up with them several times to no avail. In addition, the XXXX reward points -- worth several hundred dollars -- were not transferred to the Preferred card as promised. I would like my credit report fixed and my ThankYou award points restored. 

Note : this is not the first time I have had problems with closed Citi accounts and credit reporting. This appears to be a systemic issue for Citi and their customer service is woefully lacking.
Consumer complaint received 2023-07-14
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Thank you. 
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 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I wired $XXXX to Coinbase on XXXX XXXX. Up until today (XXXX XXXX), it never credited to my account. I sent multiple emails only to get automated reply. I called them, and waited for 90 mins without talking to any humans. I submitted IMAD reference number so they can trace that my money has been deposited to their account. I created case number #XXXX and #XXXX. However, no one from Coinbase is helping me or even trying to help me. The money is just gone.

This is a pure fraud!!
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

In the Fall of 2016 my car was repossessed due to late payments on my behalf from a friend 's house that I was staying at. At the time I was not able to afford the high interest on the car and the high payment of {$490.00}. I decided to let the car go and proceeded to get my belongings out of the vehicle. Upon arriving on the place where my car was secretly held, ( they did not let me know the location of the car until the day of collecting my items ), I noticed that some of the items in my car were missing from the vehicle. I asked the place who repossessed the car where these items were and I also asked XXXX XXXX but they both gave me no answer. Years later I have found myself financially stable so I gave them a call about possibly doing an arrangement for a pay for delete. They told me that it would not be removed from my credit until I paid the {$11000.00} in full within 24 months or I paid half of the amount off in one lump sum payment. I asked could I start to making payments on it, and he said I could but it would not be removed from my credit nor would the balance move until it would be paid in full. I was never sent any information of the car being sold nor the amount that they said I had left to pay. I called again today and they had the wrong address on file. The account # is XXXX