davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

keep on receiving notices for a debt collection company called NCB MANAGEMENT SERVICE, Stating that I owe {$4100.00}, I never dealt with this company or owed them money. I spoke to NCB MANAGEMENT SERVICE, I told them to verify this debt, they still haven't provided me proof, and there are still trying to collect this debt and report it on my credit report.
Consumer complaint received 2020-07-31
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AFNI INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.
Consumer complaint received 2018-08-10
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: Experian Information Solutions Inc. (OH)

Disputed an account reporting fraudulently with a social security number variation on my personal credit file with Experian. On XX/XX/2018 I received an email notification from Experian saying my dispute was ready to be viewed. Experian states the dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. I am no longer able to dispute this account with Experian. I had a previous problem with identity theft last month and no choice but to file an IDENTITY THEFT REPORT with the FTC. As I am allowed to add more accounts to my IDENTITY THEFT REPORT I have since done so with the original creditor XXXX XXXX for putting this account and fraudulent social security number on my credit file. Since Experian will no longer all me to dispute this account I have to rely on CFPB to make sure they abide by the law. I have included my FTC IDENTITY THEFT REPORT and all required stated information in the report.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (MD)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-01-04
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2022-03-09
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. (NY)

In the Fair Credit Reporting Act it stimulates that student loans are need based loans, lenders are not in need to view my credit score when extended for a credit. It's not meant to be on my credit record because it has nothing to do with credit.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

Hi, I am filing this complaint because when I switched a Citibank credit card from one type to another, I ended up loosing {$1700.00} worth of rewards points. I had in the past switched credit cards several times under Citibank, transferring the rewards points each time with no special action needed. When I converted from a Thankyou Rewards card to a cashback card, in the detailed terms and conditions, which were not prominent, there was a notice that any rewards points would have to be used within 60 days which I didn't see. With the new cashback card I received many emails from Citibank, none of which mentioned that my rewards were going to expire. When I noticed that my rewards points had disappeared, about a week after the deadline, I called and started a support case to get them restored. I never received any response, and several times was told to call back in a few days for it to be resolved. On XXXX I had a conversation with a manager that said the points could not be restored. I believe Citibank 's policy was purposely deceitful, with no notice, reminder, or warning that I would loose {$1700.00} dollars because I didn't read the fine print on their offer. The new cash back card also provides Thank You Rewards points, so it is not even a case of the new card not having that feature. 

I can provide copies of all the emails sent to me by Citibank after I converted the card, and none provided any warning or mention that the rewards points would expire. I have been a customer of Citibank for over 20 years.
Consumer complaint received 2019-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I booked an XXXX stay from XX/XX/XXXX to XX/XX/XXXX, and canceled the reservation with the host agreeing to provide a refund. Unfortunately, I haven't received a refund or statement credit, so I filed a dispute with Bank of America. 

Bank of America provided a credit on XX/XX/XXXX, and said it would be permanent if the merchant didn't respond in 60 days. I receive a letter in the mail on XX/XX/XXXX, more than 60 days after the dispute was filed, asking me to send additional information with a XX/XX/XXXX deadline. 

I send additional information and am told the claim is closed because I didn't meet the deadline. I keep calling back and finally convince someone to extend the deadline, but after sending in all my information, I am told the bank considers the claim closed and won't consider my side. At every step of the dispute, Bank of America has either changed the timeline or provided unfair deadlines.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Citis Best Buy Visa Card wont process my Scheduled Auto Payments on the XXXX  day of the month, regardless of them sending me notifications that my payments are SCHEDULED. They simply IGNORE THEM, LET THEM SLIDE PASSED the due date. When I ask them WHY, all I get are vague responses on how to use the features on the site, instead of reason for IGNORING THE SCHEDULED PAYMENTS!
Consumer complaint received 2022-02-05
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. (MN)

All of the Consumer Report Views/Soft Inquiries listed on my Experian and XXXX credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.
Consumer complaint received 2021-05-10
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: Westlake Services, LLC (MA)

I've been trying to get the West Lake Financial Services to remove all the information they are reporting to XXXX  regarding a wrong information since XX/XX/XXXX without any response. I sent several certified letters to them and have not get any answers. I disputed it thought XXXX  and the answer that i got was that West Lake never provide any info and they cant do anything until West Lake provide that info. 
I am hopeless this will never get fix because the credit department never replay the email and phone calls that I've made. 
This is the company info : West Lake Financial Services Account XXXX Date XXXX StatusOpen. 


They are reporting this to my credit but i dont have an account with them. 
My SS # last four is : XXXX XXXX XX/XX/XXXX. 

Please i need them to take this off my credit report, i am in process of purchase a home and it is making difficult to get approved. 

Thanks, XXXX XXXX
Consumer complaint received 2022-02-05
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. (NV)

I filed a dispute on the incorrect I'm on my credit report it has been well over 30days and I haven't received any investigation results.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal, I am writing in response to your CFPB complaint response XXXX : XXXX, please see my detail follow-up response below. 

On XX/XX/2023 I made a Complaint stated that PayPal placed a restriction on my PayPal account and that several PayPal accounts were fraudulently created using my identity without my authorization. I requested that PayPal investigate and restrict the allegedly fraudulent accounts, and restore full access to my PayPal account. 

On XX/XX/2023 I receive your response asking me to provide my copy of PHOTO ID to XXXX so that you can start your investigation. I have already sent out an email to you with my PHOTO ID attached and it's been 10 days, I have not received any updates neither a response from your team. This being said, I am filing a follow-up complaint to know about the root cause of the issue I stated in my previous CFPB complaint No : XXXX and expect a clean, transparent professional response with my issues resolved. 

Thank you!
Consumer complaint received 2022-01-07
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. (GA)

On XX/XX/2021 I sent out a method of verification to Transunion in regard to a public record bankruptcy on my file. They said it was verified and listed the US Bankruptcy Court GA XXXX as verifying. I reached out to the Court and they provided documentation that they did not verify anything and I demand removal due to the fact they lied and violated my rights by providing false information therefore are in violation of the Fair Credit Reporting Act. I have everything in writing. On XX/XX/2021 I submitted those documents from the court plus my identifying information of myself to Transunion and they still did not remove. Transunion is in violation and should be penalized.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (ND)

Getting harassed about a hospital bill that they refuse to bill to my insurace. Many calls with the bill collection agency, the hospital I visited had no effect in stopping the barrage of phone calls and mail. My three way calls between the debt collector, my insurance provider, and myself seemed to be most effective but nonetheless never stopped their pursuit to get me to pay without billing insurance. Often trying to decieve me saying it was not covered. Luckily I was smart enough to call my insurance and confirm they were never sent any claims or billing. To no avail explicitly telling them to stop harrassing me with calls and mail never stopped their relentlessness. I thought after the fourth three way call I had back in in the middle of XXXX in XXXX I thought the XXXX of dealing with HRRG was resolved. Today I woke to find another letter from said debt collection agency trying to collect money without billing my insurance. It is a bill of XXXX $ from XX/XX/XXXX. The collection agency in question is " Healthcare Revenue Recovery Group , LLC ''. The number they advised me to call, " XXXX ''. At the top it says " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' At the bottom there is a detachable portion for you to send payment to a " XXXX XXXX XXXX XXXX XXXX  XXXX ''
Consumer complaint received 2018-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX Transunon ), XXXX Acct XXXX ( XXXX, XXXX Transunion ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX  transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ).
Consumer complaint received 2022-02-05
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. (IL)

Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, Experian, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.
Consumer complaint received 2022-02-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P&B Capital Group, LLC (CA)

The loan is beyond the California statute of XXXX years with no actions on my part or collections happening from the original lender. 

The debt was sold to a tertiary collector ( P & B Capital Group LLC ) and when I informed them of this they simply hung up the phone after stating obviously you know your legal rights. 

I had submitted a request to XXXX XXXX to have this removed from my credit report as invalid ( purchased by the agency AFTER expiration of the California statute limit of XXXX years ) and they simply took the statement from the company that it is still valid and refused to modify my credit report.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: Self Financial Inc. (TN)

It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report. 
Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2022-07-08
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I received an alert a few months ago on my credit that the credit card was settled when I never agreed to have it settled. And I called back and they reopened the account. It took months for XXXXXXXX XXXX XXXX to remove the settled card on my credit report and just report the open one. 
I have just received a 1099C for 2021 on the credit card. I paid the credit card in full in XXXX of 2021. There is no further balances on the account. Yet I am being given a 1099C saying they discharged debt that I have paid in full and that they incorrectly marked as settled. They have transferred me around and around. And told me they cant do anything for me anymore.
Consumer complaint received 2022-03-09
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 writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.