davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
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. (PA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

As of XX/XX/XXXX, I have sent ProCollect numerous Validation request for me to verify. They have not responded to any documents I have sent. I have sent a cease and desist as of XX/XX/XXXX in which they stopped reporting for 2 months and continued to report the invalid debt. I have attached documents and would like a resolution ASAP. These actions violate 15 USC 1692a as well as I never received any notice which violates 15 USC 1692g.
Consumer complaint received 2021-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I know have to full balances on my credit for the students loans being way higher than the original balance. I was skeptical about my account history with Navient because they show I never made a payment and they report my account all the way back to 2008 and have no records, insight, or supporting evidence to provide me. Ive had my taxes and paycheck garnished due to my student loans. I contacted the US department of Education for my information about my account history and they informed me that the document they have says my account is closed and paid for. No documents supporting Navient claim against me. They advised me to call the original collection agency XXXX for information, and was informed that my account was paid off for and they do not know why Navient is charging me. All 3 agencies have lil to no records of my account which is confusing to me because no one can provide exact information to me as if I never applied for a school loan. The us department of education sent me a document of all my payments and deductions show a XXXX balance. I plan to provide this document because it totals out the original loan balance.
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. (CA)

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 : Experian : XXXX XXXX Balance Owed : {$6.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

Date of ambulance service with XXXX XXXX XXXX : XX/XX/21 Date of first and only bill from XXXX XXXX XXXX XX/XX/21 Insurance submitted XX/XX/21 via USPS from original bill No correspondence from XXXX XXXX XXXX or insurance Received telephone call XX/XX/21 from Wakefield and Associates notifying of debt ; asked representative XXXX to mail notification of debt to home address Received debt notification from Wakefield and Associates XX/XX/21 Interest already accrued as of the date of the letter, no information on how often interest accrues No notification from XXXX XXXX XXXX or Wakefield and Associates on how to dispute debt
Consumer complaint received 2020-07-24
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-20
Product: Credit 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: CITIBANK, N.A. (FL)

XX/XX/XXXX an unknown transaction of XXXX was charged to my Citibank NA Costco card for a charge in the Costco Facility. On XX/XX/XXXX is when I noticed the charged and filed a fraud claim. XX/XX/XXXX the denied my claim, reasons because I still had the card in my possession, an authorized charge of XXXX was conducted moments prior in the same facility. I never purchased or utilized or authorized my card for a transaction of XXXX, never received confirmation or receipt, product or service. My usual charges in the card never exceeds $ XXXX ( 5 plus years ), lady on the phone rudely mentioned to escalate as necessary.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

I have repeatedly asked LexisNexis to provide me with the document that has my wet ink signature that states I give LexisNexis permission to use my information for profits. LexisNexis responded that they do not need permission when indeed they do. LexisNexis has no rights to collect and release my non public information for profits. Since I own legal and equitable rights to my name this is LexisNexis notice that I am pursuing legal action against them for reporting this bankruptcy then releasing it to the credit bureaus I have a signed letter from the courts stating they did not provide such information and LexisNexis has no one of verifying court information.
Consumer complaint received 2023-01-18
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. (GA)

They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX {$230.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (WA)

I opened a XXXX CD with Marcus by Goldman Sachs XXXX XXXX ). The CD matured on XX/XX/28 and my money has not been transferred till date. I have called them at-least 20 times to get the money transferred, however every-time they figure out a new issue and tell me that the money will be transferred in 3-5 days, which does not happen. They do not have a email-id or any written communication to track this issue. I have wasted more than 20 hours of my time chasing this issue.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXXXXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXXAccount # XXXX ) Has violated my rights 3- ( XXXX  XXXX XXXXAccount # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXXAccount # XXXX ) Has violated my rights 5- ( XXXXAccount # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXX/Account # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- ( XXXX XXXX XXXXAccount # XXXX ) Has violated my rights
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (TX)

A {$500.00} amount was opened in an account at the company of XXXX XXXX XXXX last XX/XX/year>. The account was placed on collection on XX/XX/year>. I received an email coming from this company that is saying that I have an account with them that is already on a collection account.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

This is regarding issue with Ally Bank. I was enrolled into promo in XXXX for 1 % bonus up to {$500.00}. I deposited more than XXXX and kept it for more than 90 days. When I called earlier I was told that bonus will be deposited by XX/XX/XXXX. It has been more than a month after that but I did not get bonus yet. 
I made many calls and chats, wrote several messages to resolve this issue but those were of no help. Neither they are resolving the issue, nor they are providing any timeline to resolve it. 
I would appreciate any help.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

A collection was put on my account by Caine and Weiner. I never ever received any notices, or phone calls from them regarding this debt. I was never ever given the opportunity to dispute the debt, and this was put on my credit report without my rights to dispute.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AZ)

On XX/XX/XXXX I received an email stating my application was denied for employment by XXXX. They were given a background report from Checkr and this report is inaccurate. I had my XXXX  set aside in the state of Arizona in XXXX. I contacted Checkr and they are still reporting the incorrect information regarding my criminal history.
Consumer complaint received 2022-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (AZ)

DEBT WAS AROUND XXXX I WAS CALLED BY THE FBI THAT SOMEONE HAS ACCESS TO MY SOCIUAL SECURITY NUMBER AND THERE XXXX A XXXX HOUSE THAT HAD SEVERAL AUTO VEHICLES WITH PLATES REGISTERED WITH MY NAME AND SOCIAL SECURITY NUMBER IT WAS FOUND IN A XXXX XXXX IN TEXAS THEY TRIED TO LET HER KNOW WHAT WAS GOING ON SHORTLY THEREAFTER SHE WAS CONTACTED BY HER WORK THAT HER PAY WAS BEING GARNISHED AND TRIED TO CONTACT THE XXXX  TO SEE WHAT WAS GOING ON AND THEY WOULDNT TELL HER ABOUT THE DEBT SHE DOESNT OWN A CAR AND HAS NO CAR LOANS THAT SHE HAS TAKEN OUT IT WAS FRAUD BUT SHE WAS UNABLE TO INVESTIGATE IT BECAUSE SHE WAS POOR AND HAD NO RESOURCES SO SHE SPENT ALL OF THE HARD EARNED MONEY THAT SHE HAD TO FILE A BANKRUPTCY.
Consumer complaint received 2021-09-13
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. (FL)

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, XXXXm gon na go to court.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2020-01-25
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. (NC)

XXXX XXXX XXXX shows incorrect information on my credit report being reported by Transunion. Information does not belong to me and is due to possible fraudulent mishandling of my personal data. Have disputed this with both the debt collection agency within 30 days of knowing as well as with Transunion. Information still remains. I ask this be updated accordingly.
Consumer complaint received 2024-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (TN)

Spoke to PHH customer service XXXX times to get the correct payment amount for the XXXX trial payment due XX/XX/2024. Every customer service representative has given me a different explanation for the different payment amounts. Received documents XX/XX/2024 saying payment is XXXX. Documents received dated XX/XX/2024 stated my payment is {$2400.00} XXXX XXXX XXXX. Trial modification permanent documents were notarized signed emailed to PHH XX/XX/2024. Original sent XXXX XX/XX/2024. 
I don't want to lose my house to foreclosure because I pay the wrong amount. I need a letter saying what the correct payment. Trial document said I had XXXX trial payment customer service said they saw I had XXXX trial payment in PHH computer system. I need documents stating how many trial payments amount of payments when due.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Hello, I would like to dispute the following collection company " Portfolio Recovery '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " PR '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " PR '' anything and never should have paid " PR '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " Portfolio Recovery '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " Portfolio Recovery '' Thank you for your assistance with this matter. 
XXXX XXXX
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (CA)

To Whom It May Concern : Is my correspondence with Navient with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, Navient has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to XXXX, XXXX  XXXX XXXX and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from Navient outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

This a complaint against Capital One Quicksilver Credit Card, case number XXXX. I am disputing a purchase made on my CapitalOne quicksilver credit card for a service that was not provided. I had submitted the dispute to my credit card company after a failed attempt to resolve it with the merchant. It now appears my credit card company is taking sides with the merchant ( I guess for the gain made on the purchase ) rather than provide financial protection for its customer over a purchased service that was not provided. This has been the behavior of Capital One Bank, now is the Credit card arm to side with merchants that tend to collect money for services not provided. I am disputing a partial amount of {$480.00} of the total {$3500.00} that i paid. I provided the document Capital One asked me to provide and they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (FL)

My business account stopped receiving monthly statements in XX/XX/2019. Huntington did this with out my consent, I tried to get on line to get some of our statements but am not an authorized user according to Huntington. I am the sole owner of XXXX XXXX XXXX XXXX XXXX, XXXX and managing member. So if they won't grant me access to the online account or provide me my bank statements who can access? 
I tried for 2 hours to get someone on the phone to help but it was above there pay grade and they could not help me. I can close the account and bank elsewhere but I need statements to balance the account and have the correct numbers for income taxes purposes.
Consumer complaint received 2020-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed