davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (NC)

The consumer reporting agencies Experian, XXXX, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.
Consumer complaint received 2022-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

*THIS IS NOT A DUPLICATE COMPLAINT* Hello, My name is XXXX XXXX XXXX I'm contacting you today requesting accommodation for Account # XXXX. I spoke with a supervisor by the name of XXXX ( I'm not sure of her last name ). She informed me that it would take up to 30 days for the accommodation request to remove the " Late '' payment from my consumer report. However, It hasn't updated and I'm starting to get concerned. As I stated before My wife and I went to XXXX for our anniversary and wasn't able to come back into the country for 3 weeks because we constantly tested positive for XXXX. Unfortunately I had no control over this matter that resulted in me falling short on my bill one time. If you view my account you'll see I've never been late before or after this one time. I come before you today in hopes of you to accommodate and remove the " Late Payment '' that is reporting on my accounts from that struggling period of my life. Please take this into consideration and re-report the " Late Payment '' as currently to the consumer reporting agencies. This unfortunately situation is ruining my financial repetition. I'm contacting you today in hopes of receiving an update to my original inquiry or some sort of resolution to this issue.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (OH)

In Accordance With The Fair Credit Reporting Act, The List Of Accounts Below Has Violated My Federally Protected Consumer Rights To Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

On or about XX/XX/XXXX, I received a collection letter from a company called XXXX XXXX demanding a payment of {$980.00}. I immediately called but was told that the account was transferred to Resurgent Capital Services ( Ref # XXXX ). I contacted Resurgent to inquire about the nature of this debt. They claimed that they did not have any information other than the amount of the debt due and demanded payment or they would report me and damage my credit. 

Since I am 100 % confident the account balance is {$0.00}, I asked them to please provide validation of debt. I asked that a copy of my signed receipt and statements be sent to me for review. I have sent 2 requests to both their addresses just to make sure that someone would respond. 

First request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Second request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX SC XXXX No response. Instead on XX/XX/XXXX, I received another demand letter from Resurgent demanding immediate payment of a debt I know nothing about. 

On XX/XX/XXXX I sent a second request ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) asking for validation of debt. I asked to receive a copy of my statements and a copy of the signed receipt showing the alleged debt. Again no response. 

For the past 9 years I have been trying to build my credit and it is very important for me to continue to do so. I have my statements from XXXX XXXX the issuing bank- and I have proof of all my payments being done on time. 

In XX/XX/XXXX, I called XXXX XXXX and asked them to close my account, however the operator convinced me to keep it open and promised to take off the annual fee if I do so. Her words to me were closing it would lower your credit score, Ill remove the fee so you can keep it open for the coming year and increase your credit. 

I literally left the card at home because I didnt want to use it any more. I never received any statements from them after this phone call and since I did not charge any purchases, I didnt find it odd not to receive a statement. Many credit cards/banks dont send out statements when there are no charges. 
My last activity with XXXX XXXX was in XX/XX/XXXX. 

I did not hear anything from them for a year and suddenly I get a collection notice. Basically threatening me to pay now or they will ruin my credit. 

Can you please let me know what I can do to protect myself? I have called and spoken to them. They are very rude and not helpful at all. They keep telling me that they will mail me the validation of debt but they dont. I have waited for them for 2 months and still no response. 

This account is paid in full and has not been used for more than a year. Therefore, I am disputing all the charges and claims.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (DC)

Good morning, I have recently submitted, per US UCC Code 3-104, a notarized negotiable Instrument to Navy Federal Credit Union , to settle the Credit Card debt . Sent in a certified letter ( attached ).

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Navy Federal Credit Union used to loan me the money in order for me to use the credit card ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Navy Federal Credit Union is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I received a credit report alert that a collection for two medical accounts totalling XXXX ref XXXXfrom 2015, had been added by XXXX XXXX XXXX, they reported two accounts to all the credit bureaus, WITHOUT providing me information prior or allowing the REQUIRED 30 day VALIDATION period. They have violated my rights and before the FDCPA laws.. These debts are identity theft related. I have had all previous medical debt from 2015 removed from my credit and proven to be a victim of identity theft. I use a XXXX pretention server due to all the identity issues I've had and the Bureaus and XXXX XXXX XXXX have sheets on my social and name. This is supposed to be a law group violating the credit laws.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a gold certificate in XX/XX/XXXX from a financial services company called XXXX XXXX XXXX. I purchased 4 ounces and received a certificate from XXXX ( attached ). XXXX ( Agent ) was a subsidiary of XXXX which became XXXX XXXXXXXX in XXXX, and XXXX XXXX in XXXX. The Supplier was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which became part of XXXX XXXXXXXX XXXX in XXXX, and Bank of America in XXXX. I'm trying to cash in my certificate, and I've had no luck going through my contact at XXXX XXXX, which is the current financial services arm of the Bank of America. They claim to be unable to trace the purchase records. 

I can't understand why these records can not be traced since I've retained all the original information on the purchase along with the original certificate and precious metals voucher. As the financial institution that " inherited '' the original supplier, I believe that the Bank of America should be able to honor the sale of my certificate for 4 ounces of gold. 

I appreciate any help you can give me.
Consumer complaint received 2024-02-06
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. (TX)

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries

: 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 inaccura
te.
Consumer complaint received 2022-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

I allowed Carrington Mortage 's loan officer XXXX XXXX pull my three credit reports ( XXXX, XXXX, XXXX ) and I was told I met the credit requirements and I can put in an application for a USDA loan. XXXX XXXX lied to me stating that he took my application. He called asking for my personal information to input an online mortgage application. I had to get off the phone and said I would call him back to finish the application. I called him back the next day and he said I was denied. We never completed the application over the phone nor did I complete an application online. I never reviewed what he typed into the computer or if he typed anything into a computer. I never signed an application to submit for the mortgage loan with my personal and income information. I never received a denial letter stating I was denied, just told over the phone that I was denied. 

XXXX XXXX accidentally left a message on my phone stating that his boss, XXXX XXXX, told him to never submit the loan application and quote " get rid of her ''.
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (LA)

In XX/XX/XXXX- XX/XX/XXXX my son XXXX  attended XXXX XXXX XXXXXXXX XXXX XXXX . He had taken out a student loan and I do remember co-signing. Not sure of anything else, it was in XX/XX/XXXX. My son made the arrangements to repay his loan. I was going thru a divorce and filed bankruptcy in XX/XX/XXXX. I completed the bankruptcy in XX/XX/XXXX. After the bankruptcy, I started getting notices from Navient. Never heard of them before. I received e-mail, mail, and phone calls telling me what I owed and what my monthly payments are. When I called they would say XXXX   's account is up to date. I spoke with Navient on several occasions to send me a copy of the amount borrowed, interest, penalties and terms. Because as far as I know I only co-signed XXXX 's loan. I spoke to several people. This is totally confusing to me. One says if I pay {$50.00} they will stop it from going to my credit report while they get the information I requested. Another one tells me I have to catch up with one time payment of over {$1400.00} and than my monthly notes would be around $ XXXXOn several occasions the callers was very rude. I stopped answering the calls after I told them I will discuss this matter after I get the information I requested. I get calls starting as early as XXXX XXXX to as late as XXXX XXXX including weekends. I've called several times to explain that I am not comfortable paying out money over the phone to a company that will not provide me with the information on the account ( s ). If you are collecting money they should be able to provide the information. My personal data has been compromised twice in the past 4 years.I don't know if this is a scam.
Consumer complaint received 2018-10-16
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: LEXISNEXIS (AR)

There is a negative information reported by XXXX XXXX XXXX XXXX-XXXX XXXX in my file that is under my Social Security number. Upon reviewing a copy of my credit report from Lexus Nexis, I see an entry listing Chapter XXXX Bankruptcy on XX/XX/2018 date. I challenge the accuracy, fairness, compliance, and reportability of this listing, also I stated for them to please validate this information and provide me with copies of any and all documentation associated with these account bearing my signature. I formally request that this information be immediately deleted from the credit file they maintain under my social security number. The United States Bankruptcy court do not report any activity to credit bureaus, nor do they verify that the information report is accurate. This part is the second and final comments of this dispute. The first part of this dispute is in the documents that is attached and being 31 days or more apart, however the first document is dated XX/XX/2018 with the asking in a goodwill attempt. There is two documents attached. ( I haven received a response ) If any more imformation is needed. yours truly..
Consumer complaint received 2022-05-04
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. (VA)

XXXX XXXX XXXX Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (GA)

On XX/XX/XXXX I filed complaint against Ability Recovery Service, who was representing XXXX University. ( # XXXX ). I had paid them {$2400.00} of {$2900.00} for a debt owed to XXXX University. They were reporting my payments wrong to XXXX and to the credit bureaus. At the time of filing the complaint I only owed them {$570.00}. On XX/XX/2020, I paid {$230.00}. On XXXX XXXX, I paid {$230.00}. I paid {$100.00} on XX/XX/2020. That is a total of {$570.00} dollar, which is all that I owed. They are now telling me that I owe them {$50.00} and refuse to credit my account as Paid in Full and correct my credit report. The bill stated that I owed them {$2900.00} dollars and that is what I paid them. I am not paying them any more money. I have attached Complaint XXXX, the original letter I received with the amount of debt owed, and a screen shot of the payments made since the last complaint to prove that the account is paid in full.
Consumer complaint received 2022-10-18
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 am filing this complaint for the reason that I have been dealing with Equifax for a few months regarding inaccurate inquiries on my report Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove them if unable to prove that the account is mine. Equifax is failing to remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, as I was told by a Equifax rep and mailed everything. I Called a month later and they stated that they didn't receive anything. I was told I could fax it to XXXX on XX/XX/XXXX. I havent got a responce XXXX I call to see the statues It doesnt get me nowhere.I have had ENOUGH! how much documentation does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! DELETE the Inquiry which I do not own. 
XXXX CREDIT XXXX XXXX XXXX XXXX. XXXX CREDIT XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I was shopping on the XXXX web site. When I went to check out there was a supposed offer from Chase Bank Credit Card. If I applied for the card I would receive a {$60.00} credit to my purchase and a {$70.00} gift card. I did not receive the {$60.00} credit. I called XXXX about the offer. The XXXX representative researched the issue and told me that it was an offer from Chase Bank. The XXXX representative gave me a local number for Chase Bank since XXXX had no participation in this offer. 
I called the local number and requested assistance. To address this problem I could go to the bank or call a phone number. I didn't want to waste my gas so I called XXXX. Each of the XXXX times I called the number, I followed the directions given to me by the local representative. Each time after waiting for up to XXXX minutes the phone number would hang up on me. While doing this I received a text message saying that someone has checked my credit. 
With the phone number not getting me to a person I found the closest Bank to me. I went to the Bank and complained to a banker. They called the credit card division and was told that I CAN NOT cancel the application that had been started a few hours earlier. 
After talking with the representative from XXXX, the Chase Bank offer was removed and replaced with an offer from XXXX. 
I am thoroughly disgusted with this Bank, it's operation, and the false offer. 
Please perform whatever sanctions on this Bank that are available. 
Thank you, XXXX XXXX
Consumer complaint received 2022-08-17
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: Exeter Finance, LLC. (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (MD)

Ally Bank closed my account with no notice and has not sent me a refund for the money I had inside ( ~ {$3000.00} ). They claim to have sent a notice ahead of time, but I have a log of every mail delivered to my address and determined their claim to be untrue. I called them asking for my money back, and they said that they did not yet mail a check. I asked them if they could call me back and provide a tracking number, and they said yes. It's been several days, and they have still not sent my money.