davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (CO)

I would like the National Consumer Telecom & Utilities Exchange ( NCTUE ) investigated. I am unable to get in contact with them. Perhaps they are a shell company set up for some illegal tax scams??? My efforts to contact them are useless! 

In an effort to help prevent identity theft, my wife and I tried to get various credit reports frozen. We contacted NCTUE to freeze our NCTUE credit reports that they have on file for us. We expected them to respond with a PIN # to unfreeze our credit reports if ever needed. Our efforts to get any kind of communication from this company failed again and again. Perhaps they are criminals hiding something. Perhaps they are super incompetent in performing their basic clerical jobs. I dont want to be narrow minded and think out of the box a little ; perhaps they both incompetent and criminals. 

On or around XX/XX/2019, I tried freezing our credit report by using their website ( https : //www.exchangeservicecenter.com/freeze ). Their website for accomplishing a freeze DID NOT WORK. 

On or around XX/XX/2019, I tried freezing our credit report by using their telephone number ( XXXX ). This telephone number to freeze things DOES NOT WORK. 

On XX/XX/2019, I sent to them two letters via certified mail requesting a freeze of our credit reports. According to my local U.S. Post Office, at least one letter ( probably both letters ) was delivered to them on XX/XX/XXXX at XXXX XXXX. The two separate certified mail letters ( one for me, one for my wife ) provided our names, our signatures, address, date of births, social security numbers, home telephone number, e-mail addresses and a copy of a recent utility bill. In the letters I warned them that their website and telephone number to freeze a persons account were not working properly. I told them using the U.S. mail system may finally be the only way to contact them. They have NOT responded as of XX/XX/2019. 

I dont believe in an eye-for-an-eye. If someone takes my eye out, Im probably going to take their head off, just to make the world a little better place. Maybe the NCTUE has lost our personal information, and that information is now available to identity thieves. Of course, I could always travel directly to the NCTUE headquarters in XXXX, Georgia and let my physical presence make it very clear what needs to be done. They better think about it, smarten up, and start responding to consumers. Duh! Whoever you are at the NCTUE, wake the XXXX up!!!! Youre welcome.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TX)

Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification Ad Astra ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations
Consumer complaint received 2018-02-16
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. (SC)

trans union has names thats not me on reports also open account from XXXX XXXX  date open shows XX/XX/XXXX is incorrect XXXX  has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX  OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX XXXX one is XXXX XXXX XXXX open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification XXXX XXXX ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (WA)

On XX/XX/XXXX I received a letter from MOHELA indicating that my student loan was paid in full. According to the letter this was effective XX/XX/XXXX. As of this date my credit reporting agencies reflect the loan as still open. I would like MOHELA to update my credit reporting agencies ( XXXX, XXXX and XXXX ) with the information that this debt is paid in full and closed. 

Amount of the XXXX is {XXXX} Status per credit bureau- open and in good standing According to letter from MOHELA this loan is paid in full effectively on XX/XX/XXXX Last time MOHELA reported an update to the credit bureau was on - XX/XX/XXXX I emailed MOHELA in XXXX of XXXX and never received a response. 

Thanks for your help
Consumer complaint received 2021-11-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc. (IL)

Since XXXX 2021 I have been contacting this company via letter regarding my issue. HIPPA was broken when speaking with a representative! I did NOT sign HIPPA forms to authorize this company to access my medical records. Therefore HIPPA was violated and I am seeking legal action if the issue isnt resolved! The bills are in the amount of {$1900.00} & {$720.00}
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They call 8-10 times over a XXXX min period daily from different numbers and use different agents. They call at XXXX in the morning, during my work hours. I have asked them to stop calling until after XXXX and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Consumer complaint received 2022-05-01
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. (VA)

In XXXX with the fair credit Reporting act XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

We are getting ready to paydown our Bank of America HELOC so i wanted to clarify what the deferred interest was that kept showing up in our statement. I also wanted to clarify what a particular transaction was in our transaction history online was since we haven't drawn from the line of credit sinceXX/XX/XXXX or XXXX. This transaction does not appear in our statement. I called customer service and I was told a 'case ' would be opened to look into the matter since they couldn't explain what the deferred interest was for. They also did not see the transaction I was referring to in their transaction history. Why does it show up in our activity online? I was told a copy of our transaction history would be mailed to us. We have heard nothing about the case nor have we received any transaction history documents.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to sent.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

The Amex Business Platinum card features a benefit that offers up to {$200.00} in cash back for purchases with XXXX between XXXX and XXXX and XXXX and XXXX. I made a purchase with dell.com on XX/XX/22. The purchase posted in three transactions of 2x {$64.00} and {$74.00} on XX/XX/22. As of XX/XX/22 I have not received my cash back from this transaction. When I spoke to customer service they informed me that since the card was now closed ( correct ) I was no longer due this credit. However, I disagree with this assessment. The card was open at the time of the transaction ( clearly, or said transaction would have been declined ) and therefore the transaction would have been governed by the terms in effect at the time, i.e. the benefit offering cash back. In the same way that I as the card holder am liable for charges even after the account is closed, I expect Amex to liable for credits and benefits from when the account was open after it was closed.
Consumer complaint received 2021-11-30
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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, XXXX XXXX XXXX XXXX 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 : Charge Off : XXXX XXXX XXXX {$0.00} Collection : XXXX {$8300.00} Repossesion XXXX XXXX {$0.00}
Consumer complaint received 2019-10-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Ive been dealing with 2 banks. XXXX XXXX XXXX XXXX and BofA for the last 17months. The short version my boyfriend wrote me a check for XXXX i deposited it his bank couldn't reach him because he was in the hospital and passed a week later i never got the money and it wasnt returned to his account now in probate. neither bank could say where the money was finally bofa admited they have it after a year of me filing complaints to find it now they want XXXX bank to file a Alteration breach of warranty claim no one seems to know what that is and the lady at BofA Ms XXXX XXXX resulution specialist in XXXX NC office doesnt return calls from myself or XXXX so that we get the forms needed to get the funds released ive been calling her since XX/XX/2019 i faxed her a letter XX/XX/2019 and ive called again today. I think 17months is way to long for this to go on. Theres no way to speak to a superviser its horrible. not only that bofa reported me to XXXX  for no reason
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: Experian Information Solutions Inc. (MN)

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1668B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MO)

Please re-open case # XXXX. Despite a letter I have received from a XXXX XXXX XXXX from Citi bank stating the funds of {$18000.00} and {$23.00} had been mailed to the current address on record I still have not received any money from Citi Bank. According to the letter from Citi Bank the funds were mailed to my previous apartment address on the date of XX/XX/2019. I had access to this apartment address up until the date of XX/XX/2019 and can confirm that no checks addressed to me for these amounts were present in that mailbox on or before that date. On XX/XX/2019 I updated my address to reflect my current home in XXXX, Missouri. Around the date of XX/XX/XXXX, I received a paper copy of the letter from XXXX XXXX XXXX in my mailbox at my current home address. On XX/XX/2019 I called CitiBank again to inform them I never received the checks containing the funds within my closed savings account. The representatives on the phone continuously stated I must not have received the funds because I no longer live at the apartment address. However, they had no explanation in regards to the fact that I still had access to the apartment mailbox up until XX/XX/XXXX and never saw the checks in the mailbox. Whenever I requested a second check was mailed to me I would be placed on hold and transferred to another department. My final conversation was with a representative named XXXX. She had stated that she would be unable to send me a second check despite having the information to show the previous checks had never been cashed. She stated she would need permission from " someone else '' and to call back in 5-7 business days. It has been since XX/XX/XXXX, of 2019 that Citi bank had froze my savings account and has been holding on to over {$18000.00} of my personal finances without my consent. I am absolutely astounded and at a loss as to what do. It is unbelievable that a very large, professional, banking corporation can hold any amount of an individuals finances without there express consent for nearly half a year. Please provide any assistance possible to enable me to obtain these finances.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Karma (GA)

I was shown " Pre-approved '' for credit cards that I was then denied for repeatedly on Credit Karma. My credit score has suffered due to the hard inquiries that should've resulted in new accounts being opened but instead resulted in denials. I was led to believe I would be approved for these cards due to the wording used by Credit Karma. I have used this company for many years and am very disappointed to find that they are hurting my credit score rather than helping it.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I requested a copy of my consumer credit report for Equifax. I also requested a copy of my consumer credit file. I was not able to download a copy of my credit report. They did not send my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of my credit report.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CO)

The Federal Rights and Privacy Act is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any private elementary, secondary or post-secondary school. 20 USC 1232G. 
I have learned that, according to the ( FCRA ) 15 USC 1681 SEC 602 as it states, '' There is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' i am aware that XXXX and XXXX are consumer reporting agencies, I am the consumer. I hold the right to make sure that my private information isn't shared which is supported by 15 USC 6801 Stating " It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non public information. '' 15 USC 1681 section 604 a sec 2 states " In general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer which it relates. '' The financial institution and the consumer reporting agencies XXXX and XXXX, do not have my permission to furnish this info and definitely don't have my written consent. 
All consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states " A financial institution may not disclose non public or personal information to a nonaffiliated third party, unless the consumer is given an explanation on how the consumer can exercise that non disclosure option. '' Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option. 15 USC 1681C ( a ) ( 5 ) States " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items or information other than convictions of crimes which antedates the report by more than 7 years '' which means this account is an adverse item they are reporting again without my permission which is against the law. 
15 U.S. Code S 1681e States " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishings of consumer reports to the purposes listed in 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 
12 CFR S 1016.7 States " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (AL)

I have sent debt validation letters to the following companies XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, XXXX ( XX/XX/2021 ), Commonwealth Financial System ( XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX  : Has not provided proper validation of the debt owing to me XXXX : has not responded Commonwealth : has not responded XXXX : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (NY)

I had already submitted a claim for this issue ( CFPB Claim # XXXX XXXX, wherein the company claimed to have credited my checking account on XX/XX/26 for {$75.00}. In fact no such credit was ever made to my Sofi checking account number XXXX.