davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Judgment Recovery Center, L.P. (TX)

I went to my bank and they told me that my account was frozen and gave me the number to NATIONAL JUDGEMENT RECOVERY CENTER A  COLLECTION AGENCY XXXX. 
I called them and they just ignore me and they won't return my call. I don't owe this agency any money and have not had any debt in over 18 years. I WAS NEVER SERVED ANY TYPE OF PAPERS, I WAS NOT CONTACTED. I CALLED THE COURTS AND THEY DON'T HAVE ANY JUDGMENTS ON ME.I don't know why my bank, XXXX would allow them to freeze my account. 
PLEASE HELP ME THIS IS SO WRONG THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICE ACT
Consumer complaint received 2021-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (GA)

On XX/XX/XXXX I sent a XXXX  payment of XXXX, cash payment XXXX final payment of XXXX. On XX/XX/XXXX XXXX to XXXX XXXX of XXXX. ga XXXXfor purchase of XXXX XXXX XXXX XXXX XXXXtotal of XXXXrecieved key and bill of sale ... .upon trying to register trailer I was told vin was not valid ..but because I knew his father Judge XXXX XXXX was magistrate Judge of county and XXXX  was also in his personal property I contacted the recepients XXXX XXXX XXXXfather ..judge XXXX to help resolve tag and title issue.XXXX was call was called back by the the sherriff of this county and informed that XXXX XXXX had died and that the camper was not his but his Uncles..XXXX XXXX..I did not think it was appropriate at that time to address my XXXX loss..but did email sherriff and notify bank of issue ... i was informed to do a self help form with XXXX fraud by my bank first horizon.. I offered to support my claim with police report..bill of sale..etc..XXXX  nor 1st  horizon asked for any supporting XXXX a denial of claim because recepient had a stand alone XXXX  app that was not attached to a bank ..and neither XXXX or 1st horizon  had a platform to address claim..nor was transaction consumer XXXX
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi there, I sent a letter to Equifax on XX/XX/2021 and I have followed up with them and I have still not gotten a response in regards to the unauthorized inquiries on my credit profile. These inquiries are damaging my score and limiting my ability to obtain adequate housing for my daughter and I. My score seems to have taken a major impact in regards these inquiries with creditors I have no relations with.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (GA)

Hey, this complaint is about my personal information being incorrect. I sent a letter out on XX/XX/2020 and i also sent a letter out on XX/XX/2020 and today makes over 60 days since ive recieved a response or any actions taken.
Consumer complaint received 2022-04-07
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX9 US DEP ED and Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Has also violated my rights. It is against Fair Credit Reporting Act 15 U.S.C 1681b Section 604 for an entity to view my credit report without a permissible purpose. The inquiry was performed under false pretenses 15 U.S.C 1681 States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (DE)

Contacted by Jefferson capital for a debt from a company ( XXXX ) that no longer exist & debt is over 10 years old. They fraudulently changed debt dates and placed a new account on credit report. I called ( XX/XX/year> ) the company to ask for copies of all information pertaining to alleged debt & they assured everything would be mailed out. Did not receive anything as of today ( XX/XX/year> ). Disputed with creditor and bureaus. No original contract or validation of debt produced.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

For years, the student loan servicing company Navient allegedly encouraged student loan borrowers to enter costly long-term forbearance programs that pushed them further into debt, as well as take on private loans they couldnt pay back, according to lawsuits filed by several states, and joined by 39 attorneys general. 

Those claims were resolved through a settlement announced yesterday ( XXXX XXXX ) affecting some 400,000 borrowers. Navient says it will cancel {$1.00} billion in private student loan debt for 66,000 borrowers, as well as pay an additional {$95.00} million in restitution to 350,000 people with federal loans. The former deal mostly focuses on students who took out loans to attend for-profit colleges between XXXX and XXXX. 

I was part of both Sallie Mae and Navient and would like to have my loans considered. I can not move forward in my life to even purchase a home at my age because of this one school of XXXX that I went to
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (GA)

Yesterday ( XX/XX/XXXX ) I transferred {$7000.00} from my Sofi Invest account into my Sofi Money account. Soon after noticing the completed transaction - my Sofi Money account had a status of 'in review ' - my account is frozen I can't move money or spend money. I have not been able to reach any one on the phone. This is ridiculous. I have bills to pay!
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Se for the amount of {$260.00} and the other for {$280.00}. I have written several letters certified to this collection company and these people continuously ignore my requests to validate their claim that I owe these amounts. I mailed the letters at the first of the year after President Biden took office. He has completed 100 days of being in office and I still have yet to get any of the documents I requested that Phoenix Financial send me. They ignore me and in the process are damaging my credit by reporting monthly to the credit bureaus. Even after they have been made aware that these accounts are invalidated, not correct and should not be reported as accurate.
Consumer complaint received 2022-04-07
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$7800.00}, XXXX XXXX Balance {$380.00}, XXXX XXXX Balance {$7100.00}, XXXXXXXX XXXXXXXX Balance {$3200.00}, XXXX XXXX XXXX Balance {$230.00}.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (CA)

We started receiving calls from Discover Financial Services, which we did not answer as we were suspicious as to authenticity. We are Discover customers and when they do contact us they leave a message, email, and/or text ( regarding suspicious activity. ) On XX/XX/2021 my wife took a call from them. They are seeking to speak with our adult son who does not live in our home. We took the message that they want him to call. Discover continued calling, usually several times a day. Since speaking with them on XX/XX/XXXX, which was two weeks ago, they have called 49 times, including three today ( XX/XX/XXXX ). I spoke with them, advised them we had spoken to them on XX/XX/XXXX, advised that they should not be calling and not to call again. 

Our telephone service maintains a log of calls, so I have a record of each call received. They never leave a message.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Collection account. {$260.00} past due as of XXXXXXXX XXXX 
Not mines Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent letters to the XXXX credit bureaus telling them that there were items on my credit report that should not be there! There were multiple incorrect entries that I did not know about nor know how they were put on my report! It has been over XXXX days since I sent these letters and I have still not heard back from any bureau. According to section 611 a, failure to investigate items in XXXX  days gives reason to immediately remove all the inaccurate items from my credit report. And I truly believe that after waiting this long they have not even started my investigations! I need these items to be removed immediately or I will have to file for litigation!
Consumer complaint received 2022-04-07
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.
Consumer complaint received 2022-04-28
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. (NY)

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. They violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. In Which I dont believe the accounts listed below should be shown on my credit report. Another law that is being broken is 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 I did not give anybody written instructions. The accounts that I disputed in my letter was : XXXX XXXX account # XXXX Amount : XXXX XXXX  Account # XXXX Amount : XXXX Division of child sup en Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. I need all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. Erase unlawful accounts listed above asap thank you to whom this may concern
Consumer complaint received 2022-04-07
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXXXXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.
Consumer complaint received 2021-05-07
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: FC HoldCo LLC (TX)

In response to 1st complaint ID XXXX. In the letter response sent by Flagship Credit they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my 2021 payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX
Consumer complaint received 2021-12-02
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: OneMain Finance Corporation (GA)

Because of this incident, 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.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX they also have records of files that are wrong.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Due to XXXX l had a payment waiver because I became extremely XXXX  due to XXXXBank America Visa contacted the three credit bureaus and stated that I was 30days late with a payment when I had a Covid19 wavier from payments. The period in question is XX/XX/2021, amt. {$870.00}, 30 days.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (MN)

I had a bunch of overdraft and NSF fees totaling {$1400.00}. I spoke to the bank several times about this and was simply told, It was my fault and nothing they can do about it. Starting XXXX to XXXX I was charged these fees and they allowed XXXX XXXX to keep pulling these debit card transactions and charging me {$140.00} NSF fees each time. It totaled over {$1200.00} and these transactions were {$10.00}, {$20.00}, transactions. I contacted them XXXX when I first noticed and was told there was nothing they can do. I explained that I received a letter directly from BMO Harris that no overdraft fees would be charged to customers due to the pandemic and they simply denied any letter existed. I have messaged them several times on my online banking with no response or a response they will not refund these fees back. I also had my spouses stimulus payment come in during this time and they held it 5-6 days while allowing these {$140.00}, {$100.00} transactions to keep negativing out my account still. Took them about a week to deposit that into my account. The week on XX/XX/2021 I also seen they had deposited my {$200.00} promo credit which I got for opening this account, then a week later they pulled it back out with no notice given and it cause my check to bounce and they charged me another {$36.00} overdraft fee XXXX for that and it was a bank error. I messaged them and called several times between XXXX about that prior to my check going through and they said that promo was taken out due to bank error and I wouldnt be charged any overdraft fees, but I was and the check didnt clear so I now has to go to the vendor and pay that check and their {$35.00} fee on top of this. I feel like Ive been completely taken advantage of as a customer and I have not opted in for overdraft coverage and they have never paid any of these transactions just charged {$36.00} and {$140.00} fees for a {$10.00} debit card transactions. I have called and sent several messages and they will not refund any of these fees and wont even help. They took over {$1200.00} from stimulus money which I could of used for our family of XXXX. I am XXXX and can not work and my spouse is on unemployment and we have XXXX children. We can not afford to give BMO Harris Bank {$1500.00} in bank fees nor should it be allowed.
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

Fifth Third Bank has continued to mess up my payments since XX/XX/2021. My payment record has been immaculate until XXXX when I switched accounts to pay for the loan. I have called Fifth Third Bank numerous times to resolve the issue, to pay over the phone, and to remove the " defaulted '' payments from my record since it was their system causing issues. This has yet to resolved and has caused my credit to plummet. In XXXX, they LOST my payment and have not been able to recover it, despite the money being taken out of my bank account.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have contacted my bank to stop payment from being taken by some lenders. The bank charged me {$33.00} for each lender. Now these lenders still take payments on the scheduled dates. I spoke to my bank to let them know that the payments are still being taken. The bank is now saying stop payment is not guaranteed and they can't do nothing about it. The bank never said that to me that stop payment is not guaranteed by charging me for each service. 
I tried seeking help from my bank but they'll not helping so I need you guys to step in. Thank you. 
XX/XX/2021 XX/XX/2021 Those are the dates the money was taken from 3 lenders Amounts : {$140.00} {$100.00} {$100.00}