davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of XXXX XXXX XXXX in the amount of {$330.00}. 

XXXX XXXX XXXX ( NRA ) informed me the collection was for a XXXX account from XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to NRA that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked NRA what  information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. 

On XX/XX/XXXX, I sent NRA a certified letter asking NRA to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I called XXXX to inquire about the account since the account number was on the bill NRA sent me. XXXX stated they no longer had access to that information because XXXX XXXX XXXX. I then called XXXX XXXX XXXX and they refused to speak with me only referring me to NRA. 

I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX  states that NRA has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. 

On XX/XX/XXXX, I sent NRA another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, NRA sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. 

I am simply requesting that NRA look at the billing history of this account to determine who was paying the bill.

I am requesting that NRA remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (CA)

XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX Hard inquiry XXXX Hard inquiry In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$8300.00} XXXX XXXX XXXX USA XXXX XXXX {$440.00}
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

After complaining, to the corporate office, about his misconduct, First Citizens, XXXX, SC, manager, XXXX XXXX, closed my account-without warning. Bank has refused to return my funds, causing me great hardship.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

My name is XXXX XXXX XXXX, I am an XXXX  who represents the XXXX Family. I am filing this complaint on behalf of XXXX XXXX and her son, XXXX XXXX. In XX/XX/XXXX XXXX XXXX was XXXX. He is unable to pay his bills make phone calls, etc. He gave his mother, XXXX XXXX XXXX his authorization to pay bills and to give and receive information so she can conduct business on his behalf. XXXX XXXX has asked for my help in resolving this matter. In XX/XX/XXXX we mailed a check in the amount of {$4600.00} to Ocwen Loan Serving along with signed authorization. We used the US Post Office to send the check and authorization and paid for tracking. According to the tracking verification,  Ocwen received on XX/XX/XXXX. At demand of Ocwen we also faxed the authorization on XX/XX/XXXX and XX/XX/XXXX, which they claim they did not get. We verified the fax XXXX. As you will see, the second fax number they gave us does not work. When my office could not get the fax to go through the second number, we asked the office next door to fax for us, it would not go through for them either. We want to know where the check is. Why they haven't applied the check to loan.
Consumer complaint received 2022-04-29
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. (CA)

XXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX  Hard inquiry XXXX  Hard inquiry In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-19
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: Quality Asset Recovery LLC (NC)

I have been contacting Quality Asset Recovery to verify the debts of the said creditor ( XXXX XXXX XXXX ) for several months. I have not received any notification or proof of owed debt.
Consumer complaint received 2020-10-20
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. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX 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 2019-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IA)

I received a letter in XXXX of XXXX .I replied back certified mail stating I wanted proof of debt. they sent me a letter stating they were going to initiate an investigation and take it off my credit report on XX/XX/XXXX. I never got any information back they continue to send letters I continue to send letters via certified mail and I have all the copies of letters from me and to me, and now they are suing me without giving me any of the pertinent information.
Consumer complaint received 2021-02-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Navient Student Loan Service reported a balance increase ( interest increase ) during the Federal Covid Forbearance on or around XX/XX/2021 which caused a drop in credit score. There should have been no increase as all of my loans are federal and covered under Covid forbearance prohibiting interest accrual and balance increase. They now will not respond to my contact attempts including email sent.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I have called PenFed Credit Union three ( 3 ) times about unauthorized charges on a Visa Credit Card. Each time the Security Department representative states they will credit the charges and investigate the fraud. When I call back or, most recently, after I rec 'd my bill, I speak to the security department representative who states they have No Record of the fraudulent charges or of my call. 

My member number is XXXX my CC number ends in XXXX
Consumer complaint received 2021-06-08
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: Credit Central Holdings, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc. (IN)

I previously paid a tuition debt with XXXX XXXX University in the amount {$1600.00} in XX/XX/2019. I paid this amount directly with the University and not with a debt collection agency ( National Credit Management ).  I never had a contract or have done business with this company yet they are reporting a closed account on my credit report which is erroneous. I have requested payment and debt validation from this company yet have received nothing in return. I Have disputed this account with the 3 credit agencies but have yet to gain a resolution. This company is reporting false information and is violating my rights under the Fair Credit Reporting Act. I have been subjected to undue financial burden due to this false and illegal credit reporting.
Consumer complaint received 2018-04-04
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. (FL)

There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

Hi, I just recently put in a complaint here with Experian and was told I was not authorized? What does this even mean? What does " This complain lists someone the company does not recognize as their customer or their customer 's authorized representative '' mean? Do you need to contact me via email or phone? Either way, I have not received ANY response to my disputes. Please send my updated credit reports!
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CT)

American Coradius international sent me a letter about owing {$1100.00} to XXXX. My XXXX account has no negative balance, and its likely someone opened an account in my name. XXXX agreed that my account is not in arrears.
Consumer complaint received 2022-04-29
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. (MO)

I submitted a dispute online XX/XX/2022 with Equifax for the accounts listed below for inaccurate and incomplete information being reported on my credit report : XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX The investigation was supposed to be completed by XX/XX/2022 but I haven't heard back from Equifax. I sent a follow-up certified letter on XX/XX/2022 requesting for deletion of the accounts due to the none response of the investigation passing the 30 days. I have not heard back from Equifax as of XX/XX/2022.
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (SC)

I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (TX)

There has been MULTIPLE complaints against the constant violations this company has done on my credit report. So many complaints I have filed against this company and yet theres still violations after Experian states its been updated and dispute complete. If this is not removed off of my credit report permanently I will seek a consumer credit attorney for the violations hindering my credit profile.
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I first used Binance in XXXX or XXXX. The laws, rules, and regulations surrounding cryptocurrency have been constantly changing, and it is constantly small people like me that are feeling cheated out of these markets. 

I have little money, and I wonder if Binance is holding less valuable accounts longer in verification for when it may be useful to have buying cryptocurrency surge. 

I can verify clearly with Binance account history that I was keeping a 'bag ' of primarily ADA , BNB , and BTC  in XXXX. I spent a lot of time researching to determine which cryptocurrencies had profitable futures. After the midterm elections, I did not expect massive movement until the upcoming XXXX election. 

At this time Binance had a US website and made me re-register. I do not have any kind of impressive bank balance or credit. It took literally months to be reregistered. I tried to get my account set up on XX/XX/XXXX. Between XX/XX/XXXX I have over 20 emails between me and Binance trying to get my account verified, and to have a bank account attached, and to this day I still do not have a bank account attached. It is a standard XXXX XXXX XXXX  account and is on their auto list. I tried the automated method, the manual method, and have emailed Binance. 

I had literally a paltry {$1000.00} to invest on XX/XX/XXXX. XXXX at the time was XXXX cents/ coin. Now XXXX is XXXX dollars/coin, an almost XXXX increase. I have entirely missed that and attempted over 20 times to set my account up.

These companies are all supposedly regulated in the US now, how can a company justify taking private information, social security numbers, bank account numbers, balances, access, and then not even respond or set accounts up for months? As a consumer, am I expected to give this vital information to ten or twenty different online 'reputable ' brokerages and throw the dice and hope none of them abuse it?

You can not trust any of these companies that take this kind of information with no immediate result, and you can't trust the CFPB if they turn a blind eye to this kind of behaviour.
Consumer complaint received 2021-06-08
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. (NY)

I sent a certified letter to Experian to removed 3 accounts I didnt authorized to be on my consumers report under 15 USC 1681b ( a ) ( 2 ) and Experian failed to do an investigation and removed the accounts
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Resurgent capital service sent me a letter for purpose of collectibg debts with wrong fraud information of someone else, whose name is similar with my full name. I did not borrow any money from the company they said, and I found this in my credit report today. I have to fix this.
Consumer complaint received 2021-08-19
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. (FL)

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court